SpendSmartAI - Expense Tracker

No-bank-login expense tracker

Free · In‑App Purchases

Track every expense in seconds, just type it or say it. No bank logins, no account linking, works offline. AI keeps your spending organized. SpendSmart AI is the expense tracker that does the typing for you. Write "coffee 5" or just say it out loud, and it works out the amount and category for you and stamps today's date. Snap a receipt and it fills itself in (Pro). There's no bank login, which means no forms to wade through and no accounts to connect. Three ways to add an expense • Type it. "lunch 14" and it's categorized. • Say it. Hands-free voice entry. • Scan it. Photograph a receipt and the details fill themselves in (Pro). Works across your devices iPhone, iPad, and web, always in sync. Start on your phone in the coffee line and finish on your laptop that night. Most expense trackers lock you to one device. This one goes where you go. What you get for free • Unlimited manual expense tracking • Monthly AI smart-entries to try • Voice entry • 12 months of history • Budgets and insights • Fully offline What Pro adds • Unlimited AI entry, voice, and receipt scanning • Receipt scan that snaps and auto-fills • Unlimited history • A monthly AI breakdown of where your money went • Recurring expenses • PDF and CSV export No bank login. Ever. We never connect to your bank. No Plaid, no aggregators, no account access. You can export or delete everything whenever you want. It's real budgeting without handing over your banking credentials. Fair pricing for where you live Pro is priced for your country, so you're not paying one flat US price for the whole world. Whether you're a freelancer, a frequent traveler, or you just want to see where the money goes, download it free and start tracking in seconds. Terms of Use (EULA): https://spendsmartai.online/terms Privacy Policy: https://spendsmartai.online/privacy

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Version 2.1.0 is the biggest release since SpendSmart launched. Share expenses with people: -Create a group for a trip, a flat or a household and invite people with a link. Split a bill evenly, by amount, or line by line from a receipt - and everyone's share lands in their own ledger automatically, so budgets and reports stay correct without any extra work. Settle up whenever you're ready, and settled groups tuck themselves away. Log without typing: - Share a receipt straight into SpendSmart from your photos or any other app. - On iPhone, ask Siri or run a Shortcut to log an expense - or log one from a screenshot. - On Android, long-press the app icon to jump straight to adding. Money that behaves correctly - Recurring income - rent, a salary or a retainer, not only bills. - Save your own exchange rate for a currency pair, and every foreign entry uses it. - Your own categories, with your own icon and colour. - Repeat this - turn any entry into a recurring one right from the Add screen. Easier to find: -Tap a category in Reports to see the transactions behind the number. On a bigger screen: -A proper layout for desktop and iPad - a sidebar and two columns, instead of one stretched-out phone screen. Privacy: -With app lock switched on, your ledger no longer appears in the app switcher. Correct a payment you already recorded: -Recorded the wrong amount, or a payment that never actually happened? You can now amend it or take it back. A payment you claimed can be withdrawn; one you confirmed can be voided. Everyone's balance follows along, and the group's history keeps an honest record of what changed. Rename a group: -"Vacation" becomes "Vacation 2026". Trips get renamed, and now groups can be too. Invite links that expire: -An invite link used to work forever, which meant anyone who ever saw one could still join months later. Links now stop working after 7 days, and every screen that offers one says so. On your phone, tapping a link opens SpendSmart straight on the invite instead of taking you to the website first. Leaving, and coming back: -You can no longer leave a group while you still owe someone money - settle up first, so nobody is left chasing a balance that walked out. If you leave and later rejoin, you come back to the same seat, with your expenses and the group's history intact. Anyone removed for good cannot be added back by mistake. What "3 shared groups" actually means: -The free limit counts groups you START. Groups you are invited to have never counted towards it, and deleting one frees the slot. The app now says so, instead of a phrase that read like a cap on how many groups you could ever be in. Under the hood: - Performance and stability work throughout, plus a long list of fixes across syncing, currencies, reports and signing in. Version 2.1 is mostly about groups - and mostly about what happens when something needs changing.

The developer, Heston Dsouza, 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 Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • User Content
    • Identifiers
  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • Heston Dsouza
Size
  • 46.2 MB
Category
  • Finance
Compatibility
Requires iOS 16.4 or later.
  • iPhone
    Requires iOS 16.4 or later.
  • iPad
    Requires iPadOS 16.4 or later.
Languages
  • English
Age Rating
18+
In-App Purchases
Yes
  • SpendSmart AI Pro – Annual $25.99
  • SpendSmart AI Pro – Monthly $2.99
Copyright
  • © 2026 KCH Labs