Smart Guard Finance
Private budget & spending
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Import your bank statement, see where the money went and how much you can still spend each day. Your data is encrypted and only you can read it.
Smart Guard Finance keeps track of the money coming in and going out, without asking for your bank password and without selling your data. Everything you record is encrypted on your device and in the cloud, and only you hold the key.
ONLY YOU CAN READ YOUR DATA
• Encrypted on your device and in the cloud: not even we can read it.
• A 12-word recovery key that only you keep.
• Unlock with biometrics or your device passcode, and a discreet mode to hide amounts.
• With a subscription, export everything (spreadsheet or full file). Deleting your account from inside the app is always available.
IMPORT FROM YOUR BANK
• OFX and CSV statements, read on your device, even offline.
• Duplicates are caught: importing the same period twice never counts twice.
• Quick manual entry whenever you need it.
CAPTURE
• A Shortcuts automation to record purchases from your bank's text messages.
UNDERSTAND YOUR MONTH
• Every expense categorized for you, and the app learns from your corrections.
• Cash view (when money left your account) or accrual view (when you bought it, even on a card).
• Credit cards with closing and due dates, installments and bill payments that never count twice.
• Show amounts in your own currency.
PLAN AHEAD
• Budgets per category, with a heads-up before you go over.
• Projected balance to the end of the month and how much you can still spend per day.
• Due dates with reminders, and the fixed bills that repeat every month.
• Savings goals and a weekly summary.
ASK THE ASSISTANT
• "How much did I spend this month?", "Where did I spend the most?": answers are worked out on your device.
FOR THE WHOLE FAMILY
• Invite the people you live with and choose which accounts to share. The rest stays yours.
• See just yours, just the family's, or everything together.
SUBSCRIPTION
The first 30 days are free, with everything unlocked and no card required. After that, the subscription is monthly or yearly and covers your account on every device and on the web. Without a subscription the app still opens in read-only mode: you can still view your data.
Payment is charged to your App Store account and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings.
Terms of use: https://smart-guard-finance.firebaseapp.com/termos
Privacy policy: https://smart-guard-finance.firebaseapp.com/privacidade
Personal finance tracker: the app does not move money and is not financial advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Chrystian Cesar Santos, 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
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Chrystian Cesar Santos
- Size
- 56.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 2 more
- English, Portuguese, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Annual Smart Guard Finance $5.99
- Monthly Smart Guard Finance $0.99
- Copyright
- © 2026 Chrystian Cesar Santos