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Smart Spend is a different approach to budgeting. If you want to save some of your hard earned money, you should think of that saved money as invisible. This means that you should have the mindset that your salary is really LOWER than it is on paper and each purchase is worth a higher percentage of your time. We take all of the guesswork out of these calculations so that you can carefully weigh if a purchase is worthwhile AND hit your saving target each month.

You make $100 a week and you work 5 days a week to earn that money
You want to save 20% of your earnings and your recurring bills occupy $30 per week

In the above case, Smart Spend will not treat your income like it is $100/week or even $80/week. Smart Spend will treat your income as if it were $50/week (your "true" income). Instead of making $20/day, you effectively make $10/day. All of your calculations are based on your income of $10/day which increases your perceived impact of each purchase, helping you spend less!

Smart Spend is meant to serve as a hard stop before making otherwise impulsive financial decisions. It allows you to quickly assess if a purchase is truly worthwhile to make, given your current financial situation and the things that you find valuable.

Smart spend is very easy to use. For new budgeters, there is no need to spend huge amounts of time preparing a budget. More experienced budgeters will love the simplicity and ease of adding monthly expenses and purchases.

~ Get a reality check of how much your purchases really cost-- in your own terms
~ Setup a budget with recurring payments
~ Widgets for iOS 14 users
~ Use Siri to enter your purchases
~ Import purchases from .csv files
~ Earn trophies as your spending habits get better
~ Customizable daily spending notifications sent each evening
~ Try "Smart Spend Extreme" with Cash Cache to accelerate your saving goals

Privacy and Philosophy: We pride ourselves on keeping your personal data on your device! We don’t ask for email, last name, bank account login. Our budgeting mindset is old school and effective because YOU simply have to put in the work. You can’t gain muscle without exercise. Developing better spending habits requires practice and repetition. You put in the elbow grease and we’ll use technology, psychology and economics to help you meet your goals.

What’s New

Version 3.0.1

~ Introducing your 'Worth List'
~ Your Worth List outlines purchases you find to be valuable. It allows you to see more customized comparisons when you are evaluating the worth of items. Start building your Worth List today in the Saving page
~ Fixes a bug where all purchases/expenses show a '1 hr' time cost
~ Fixes a bug where resisted purchases show incorrect graphics
~ Other bug fixes and performance improvements
~ Please rate us on the App Store so we can continue to make Smart Spend better!

Ratings and Reviews

4.7 out of 5
179 Ratings

179 Ratings

Alsoomse ,

Great app for analyzing spending

This is by far my favorite app to track, analyze and control my spending, while preserving savings. I like the real income feature where your savings and bills are excluded from your monthly income, with the remaining amount being your true monthly discretionary income. I also like the feature where you can keep a list of items that you would like to purchase but don’t need. You can use the app to analyze whether the item is worth the cost based on the loss taken in terms of hourly, weekly and monthly income. Just a great, fun app that I have been using on a daily basis!

margo79 ,

Loving it so far!

Just started out setting it up & tracking my expenses. It was very easy to setup. So far this has been the most useful app for me to budget and get a handle on my expenses by analyzing the impact of each purchase on my budget. It is extremely insightful! I greatly appreciate that this is a free app without ads!!! I also appreciate the respect for privacy of our data by not requesting email or account setup. The developers seem to be very open to feedback & responsive to suggestions. Look forward to continuing to learn & use this app. Awesome so far & kudos to the developers!

Sunny63738262 ,

Really helps with spending

This app is pretty solid because it forces me to think about every purchase. I tried Mint but really didn’t feel like it was actually helping me change my habits. I’d rather do a little more work and feel like I’m actually getting better with my spending and this app provides that. Would be nice to have some kind of daily report, but outside of that, it’s amazing

App Privacy

The developer, Scicotherapy Labs LLC, 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:

  • Identifiers

Data Not Linked to You

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

  • Financial Info
  • Identifiers
  • Usage Data
  • Diagnostics

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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