Spending Pulse: Daily Budget
Safe to Spend Expense Tracker
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
Just type "coffee 4.50" or "gas 60 yesterday" — Spending Pulse logs it. No taps, no menus, no bank login. Works on-device.
Know exactly how much is safe to spend today. Spending Pulse turns your real balance, upcoming bills, and recurring income into one daily number — no spreadsheets, no monthly budgets to maintain.
Your daily safe-to-spend number accounts for everything: your real balance, bills coming up, recurring income, and what you’ve already spent. Open the app — it’s already done the math.
Open the app and instantly see:
- Remaining today
- Safe to spend today
- Your current status: Safe, Close to limit, At the limit, or Overspent
Spending Pulse is designed to help you make faster, calmer money decisions without digging through spreadsheets or overthinking your budget.
Features:
- Daily spending signal that is easy to understand.
See how much is safe to spend today and whether you are still on track.
- Natural language transaction logging
Log a transaction in plain words. Type something like "coffee 5.20 yesterday" and SpendingPulse fills in the amount, date, category, and type for you — one tap to save.
- Insights coaching feed.
See how your spending is going each day with rotating status messages, a summary of what moved money today, and a look at what the next few days look like.
- Current streak.
Track how many days in a row you have stayed within your daily safe-to-spend limit, with a separate count for keeping your balance above your safety floor.
- Home Screen and Lock Screen widgets.
Check how much you have left to spend today without opening the app. Choose which balance to track and whether to show the amount left or the percentage left. Tap the widget to jump into Pulse or use the quick add button to record spending faster.
- Apple Watch companion app.
See your safe-to-spend status on your wrist, record an expense in seconds, and check bills due today without opening your iPhone. The Watch app keeps the latest snapshot available offline and syncs queued updates automatically when your phone reconnects.
- Watch face complications.
See your financial status at a glance from supported watch face complication styles without opening the app.
- Fast expense and income tracking.
Record transactions in seconds and keep your financial picture current.
- Recurring bills and recurring income.
Set schedules for upcoming expenses and income, including one-time planned items, and choose auto-pay or manual tracking.
- Upcoming and overdue visibility.
See what is due next so upcoming payments and income never feel hidden.
- Transaction search, filters, and sorting.
Quickly find transactions by category, date range, amount, or type.
- Balance tracking with safety floors.
Manage your current balance, set a minimum cushion, and make decisions with more confidence.
- Flexible categories.
Create and organize expense and income categories that match real life.
- Helpful reminders.
Stay on top of important recurring items with reminder support for upcoming, overdue, and planned-time events.
Spending Pulse Plus unlocks advanced features including a streak calendar with day-by-day history, a recovery trend card that shows how quickly you get back on track after overspending, a safe-to-spend burn rate card comparing today's pace to your 30-day average, extended upcoming bill and income windows for the next 7, 14, and 30 days, and more.
Your data stays tied to your own account. Spending Pulse stores your data on your device and syncs it across your Apple devices using your private iCloud database when iCloud is available. That means your information stays in your personal iCloud account, and the developer cannot access or view your private data.
Spending Pulse is built for a calm daily check-in. Open the app, read your signal, and know where you stand in seconds. If you want a budgeting alternative focused on safe-to-spend clarity, Spending Pulse is for you.
Privacy Policy: https://www.spendingpulse.app/privacy
Terms & Conditions: https://www.spendingpulse.app/terms
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
**Natural language transaction logging**
Log a transaction in plain words. Type something like "coffee 5.20 yesterday" and SpendingPulse fills in the amount, date, category, and type for you — one tap to save.
- Recognises a wide range of date phrases: "yesterday", "3 days ago", "next week", "in 2 months", "5 weeks from now", and many more.
- Supports shorthand amounts like "50k", "1.5m", and "2.5b", and respects your locale's decimal format.
- Suggestions surface while you type — recent titles first, the matching characters highlighted, and tapping one fills in both the title and the last amount you used for it.
- Built-in dictionary of hundreds of everyday words and brands, with on-device semantic matching for terms the dictionary doesn't know.
- Learns from your edits
The developer, Duy Anh Ngac, 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Purchases
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
- Other Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Duy Anh Ngac
- Size
- 15.7 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later. - Apple Watch
Requires watchOS 26.0 or later.
- iPhone
- Languages
- English and Vietnamese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- SpendingPulse Plus Annual $19.99
- SpendingPulse Plus Monthly $2.99
- Copyright
- © Duy Anh Ngac. All rights reserved.
