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Smart Spend is a different approach to budgeting. We realized that budgets sometimes fail because they lack flexibility and don't really make you consider your unique financial situation on an everyday basis. The result is that folks don't stick to the budget because the budget is out of sight-- and out of mind. Furthermore, with a typical budget you don't hold yourself accountable until AFTER your break it. Smart Spend is a solution that focuses on holding users accountable before they make an unwise financial decision. Rather than put excessive focus on your purchase history or daily limits, Smart Spend allows you to isolate and carefully consider the financial decision you are ABOUT to make from the perspective of its impact on your income and the time you spent earning that income.

For each purchase, Smart Spend seeks to answer:
~ What is the impact that this purchase will have on your finances?
~ How many hours/days/week of work is this item equivalent to?

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. Smart Spend is also unique because it treats savings and recurring monthly expenses as money that does not exist to you. As an example, consider the following:

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.

As society becomes more technology driven, the barrier for spending money gets lower and lower. Nowadays you can easily spend $150 without getting out of your bed.

It is amazing to see how much impact these seemingly innocuous purchases can make on your bottom line. You work hard for your money and $40 bucks here/ $40 bucks there can really add up.

~ Is that $35 non-shared Uber really worth half a day of hard work?
~ Should you order in tonight and spend $50 when the alternative is already in the fridge?

Sadly, the answer depends on your financial situation. Smart Spend puts all of the data at your fingertips so that you make an informed financial decision before pressing "purchase."

Smart spend is probably the simplest (and most beautiful) budget app on the market. No need to spend huge amounts of time preparing a budget. Add your income details/monthly expenses, then simply open up Smart Spend before you make a purchase and take a peek at the breakdown.

~ Ability to customize income situation
~ Ability to set a custom saving amount per month
~ Ability to add and categorize recurring monthly expenses
~ History feature to see the long-term effect of how your financial decisions effected your daily, weekly and monthly finances
~ Ability to modify/delete incorrect purchases
~ "Insights" feature to allows you to see a plethora of financial insights and visual breakdowns of your spending habits. We show you the time of day you tend to spend the most, whether you spend more money on weekends vs. weekdays, your biggest spend areas, and a whole lot more useful info.
~ No need to sign up/disclose confidential or identifying information

What’s New

Version 1.11

~ Added an onboarding experience
~ Fixed a bug that prevents new purchases from immediately being reflected in the summary view
~ We are working very diligently to bring users updated features and more helpful hints/financial insight throughout the app experience.

Ratings and Reviews

4.7 out of 5
67 Ratings

67 Ratings

Max dumped cnn ,

Impulse control

This app is sort of like the speedometer signs that tell you how fast you are going on the highway. Way better than speed limit signs, it provides you basic feedback on what you already know (you should drive slower / spend less) and gives you a mechanism to check yourself before you wreck yourself. 10/10 would download again.

coolguy327 ,

Amazing, easy to use and for millennials

I stumbled across this app and it has quickly become one of my favorites. I never really looked at my money like this and the app is really changing my spending habits. Also the developer/company is constantly adding new features. You should DEFINITELY try this app if you have a pretty steady income.

ash1227374 ,

For Millennials Like Me

This app does quickly what most millennials do in their heads all the time. The best part of it is that it keeps track of what you buy, providing you with a neat little record of how you spend. Really easy to use and practical. A very effective tool for general purchases and budgeting.


Scicotherapy Labs LLC
16.9 MB

Requires iOS 11.1 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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