Spender - Smart Money Tracker
Privacy for your money
Free · Designed for iPad. Not verified for macOS.
Privacy for you money
Spender is personal finance tracking that respects your privacy. Instead of uploading your banking data to servers somewhere, everything runs on your iPhone. Professional-grade accounting features without the surveillance.
CURRENTLY IN PUBLIC BETA
We're testing Spender before launch, and you're invited. Everything's unlocked at no cost during beta.
WHAT YOU GET IN BETA
All features are available for free during the beta period. No paywalls, no premium tiers, just the full app to test and provide feedback on.
THE BASICS
Your transactions get tracked automatically from bank SMS messages, or you can add them manually. The app uses a custom analyzer to read your banking texts and extract the details (requires Shortcuts via iOS 26+). No text ever leaves your phone.
If you don't want SMS automation, manual entry works perfectly, and you can import from CSV files.
ACCOUNTING THAT ACTUALLY WORKS
We built this with double-entry ledger principles because your balances should always be accurate. Track unlimited accounts: savings, checking, credit cards, digital wallets. Set starting balances. Merge duplicates when banks send different formats. Your money, tracked correctly.
ORGANIZED YOUR WAY
Thirteen default categories cover the basics: Food & Dining, Shopping, Transport, Bills & Utilities, Entertainment, Healthcare, Travel, Education, Income, Rent, Investment, Personal Transfer, and Uncategorized. Create more if you need them.
The app learns from your categorization choices and remembers which merchants go where. It's automatic categorization that actually gets better over time.
YOUR DATA, YOUR RULES
Everything processes on your device. Your SMS messages, transaction history, and financial details never hit our servers (we don't have servers). Bank-level privacy without needing to trust a bank.
Import your existing transaction data from CSV, QIF, or OFX files. The column mapping tool automatically detects your file format and lets you choose which column can be associated with which property on the app, meaning you can import almost any excel tracker you are already using. Export everything anytime in the same formats, plus complete XML backups. Your data moves freely in and out.
Backups work two ways: encrypted local files you control, or automatic iCloud sync using your personal iCloud account (we can't access it). Either way, you're covered.
MULTI-CURRENCY SUPPORT
The app handles all currencies with automatic conversion and real-time exchange rates. Works offline with locally saved exchange rates. Set your preferred currency and go.
WHO THIS IS FOR
People who value privacy and accuracy. Freelancers tracking business expenses. Students budgeting. Families monitoring household spending. Anyone tired of finance apps that treat your data like a product.
WHY WE BUILT IT THIS WAY
Most finance apps upload everything to their servers. They analyze your spending, sell insights to advertisers, or get breached and leak your data. We disagreed with that model.
Spender runs entirely on your device. Your SMS messages stay yours. Your transaction history stays private. Your financial behavior isn't monetized. That's the point.
WHAT BETA MEANS
You're testing unfinished software. Expect rough edges. Report bugs. Share what works and what doesn't. Help us make this better before launch.
All features are free during beta. When we launch for real, some will require payment. But if you're testing now, you're shaping what this becomes.
GETTING STARTED
Download the app. Select how you want to start tracking your transaction data. Grant SMS permissions if you're using automation. Start tracking.
If something breaks, email us at numan.mubarak@protonmail.com. If something works well, let us know that too. We're building this with your feedback.
Visit https://github.com/mubaraknumann/Spender/blob/aa8edf36d7926959aa4138ac703832637833f25a/SUPPORT.md for detailed setup guides and troubleshooting.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
We are listening to your feedback and have made the following fixes with the latest update:
iCloud Backup & Restore
Fixed critical issue where iCloud backups couldn't be restored. The app was using the wrong method to search for your backups, causing "No backup found" errors even when backups existed. Your iCloud backups will now restore properly.
Shortcuts Reliability
Improved the SMS automation shortcut to be more reliable. Added better error handling and data synchronization to prevent crashes and ensure it always shares the correct transaction timestamp.
Model Download Persistence
Fixed issue where the SMS Analyzer model would disappear after app updates, requiring you to re-download it each time. The model now persists across updates.
The developer, Umay Saniya Tasneem, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Umay Saniya Tasneem
- Size
- 36.6 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © Umay S T