The Smart Budget
Private AI Expense Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
New: your money, watched on-device. Auto-logs spending from Wallet and messages, flags forgotten subscriptions, forecasts bills. Private, no bank logins.
The Smart Budget does the work for you. Set it up once and your spending logs itself — captured, cleaned up, categorized, and checked for anything odd, all on your iPhone. You open the app to review, not to type. Private, on-device, built on Apple Intelligence — and free to start.
Smart Budget reads the merchant, amount, currency, and date on-device, cleans up the messy bank text, picks the right category, and quietly flags anything unusual. No bank login. Nothing leaves your phone. Prefer to add one by hand? Log it in seconds, snap a receipt, or say it out loud.
Everything stays on your iPhone. No accounts to create. No bank-linking required. No data sold or shared. iCloud sync is optional and runs through your own Apple ID — we never see it.
— FREE FOREVER —
• Hands-off capture — set up an iOS Automation and your bank texts log themselves
• Automatic cleanup + categorization — messy bank merchant strings become clean, sorted entries
• Anomaly detection — the Notable card flags spending that doesn't match your patterns
• Add transactions by hand too — type in seconds, dictate, or snap a receipt
• Unlimited transactions, budgets, goals, and incomes
• Dashboard with "available this month" hero
• "Tell it once, learn forever" merchant aliases — name a merchant once, it's applied forever
• Reports: Spending by category, Income vs spending, All transactions, Anomalies & alerts
• Lock Screen + Home Screen widgets
• Spotlight search for any transaction
• Siri Shortcuts for quick logging
• Multi-currency with automatic FX conversion
• Light + dark mode (warm Bronze Prosperity palette)
• Full VoiceOver, WCAG AA contrast
— SMART BUDGET PRO —
The intelligence layer, optional, shareable with your family:
• Smart Insights — LLM-narrated story cards on the Insights tab: looking-ahead pace forecasts, goal coaching, category-mix shift detection, recurring-charge audit, what-if scenarios, savings opportunities, period summaries
• All Reports — Top merchants, Largest transactions, Recurring charges, Merchant frequency, Budget history, Goal progress, Savings, By account, Year in review, plus per-member household reports
• Household Sharing — invite a partner; share budgets, goals, and reports through a private CloudKit Share you control
Pro pricing:
• Monthly: $2.99
• Yearly: $24.99 (3 months free vs paying monthly)
• Lifetime: $49.99 (one-time payment, never expires)
All Pro tiers support Apple Family Sharing — one purchase covers up to six family members at no extra cost. Cancel a subscription anytime in iOS Settings → Apple ID → Subscriptions.
— PRIVACY —
The Smart Budget runs on Apple's on-device Foundation Models. Nothing you log — no transaction, no merchant name, no amount — leaves your device. No analytics SDKs. No advertising trackers. No accounts to sign up for. Read the full privacy policy at zaatarlabs.com/privacy-policy.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: zaatarlabs.com/privacy-policy
Smart Budget now speaks Arabic, Italian, French, and Spanish - switch languages right inside the app.
Set your own exchange-rate overrides per currency for spot-on multi-currency totals.
Rename merchants once and the app learns it for future transactions.
Faster inline editing, plus bug fixes including an amount display fix.
The developer, Omar Al Homaidi, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Omar Al Homaidi
- Size
- 14 MB
- Category
- Finance
- Compatibility
Requires iOS 26.4 or later.
- iPhone
Requires iOS 26.4 or later. - Mac
Requires macOS 26.4 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.4 or later.
- iPhone
- Languages
English and 4 more
- English, Arabic, French, Italian, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Smart Budget Pro — Lifetime $49.99
- Smart Budget Pro - Yearly $24.99
- Smart Budget Pro — Monthly $2.99
- Copyright
- © Omar Al Homaidi 2026
