Type or say an expense and AI fills in the rest, or snap a receipt (Pro). No bank login, ever; your data stays on your device.
Or sign up free in seconds with just an email. Your data syncs across every device.
From a quick thought to a tracked expense in seconds.
Jot a quick note like "coffee 5" or just say it out loud. No forms, no dropdowns.
Our AI reads it and fills in the amount, category, and date, then learns from your corrections over time.
Watch your spending take shape, with a plain-English monthly summary (Pro).
No bank login, and no forms to fill. Capture spending however suits the moment.
Say it, type it, or snap a receipt. "coffee 5" becomes a categorized expense. Receipt scanning is Pro.
Share a trip, a flatshare or a dinner, and see who owes what without either of you keeping a list. Groups are online only, and a group expense is a shared record every member can edit. Your own budgets and transactions stay private.
Already have months of spending in a statement? OFX, QFX and CSV files are read on your device, so they're free and unlimited. A PDF goes to the AI: one a month on Free, unlimited on Pro.
Every expense lands in the right category on its own, and the AI learns from your corrections.
Local-first, so it works with no signal at all. Sync happens the moment you are back online, and only if you are signed in.
Log an expense abroad in the currency you paid in. It converts to your home currency and keeps both.
Search by merchant, category, amount, note or date. Results filter as you type.
Bring your history with you. It takes one file and about a minute.
Money Manager, Wallet by BudgetBakers and Finny all export a CSV, and SpendSmart AI knows the shape of each one. Pick the file and the columns are already filled in.
Not on that list? You'll see what we think each column is and you confirm it before a single row is saved. Confirm once and we'll remember that bank next time.
OFX, QFX and CSV files never leave your phone, so there's no limit on how many you bring in and nothing to trust us with. Only a PDF needs the AI.
Your old categories. Another app's taxonomy rarely fits, so every row lands on ours and you fix what's wrong in the review step. It's honest work for about a minute.
Tracking is only useful if it changes what you do next.
Set a monthly budget and see what is left per day. Recurring bills still due are set aside first, so the number is what is actually yours.
Budget by category or overall, and save toward something specific. Three budgets on Free.
See where the month is heading before it gets there, based on how you have spent so far.
A midday nudge, an evening one, or a heads-up the day a bill is due. Each has its own time, and each can be switched off. Scheduled on your phone, never on a server.
Log something each day and the streak grows. Badges mark the milestones. Free for everyone, and once earned they are never taken away.
A plain-English summary of where the money went, with places to save. Pro.
Start free. Upgrade when you want more.
Pro is $2.99/month or $25.99/year.
Prices shown for your region. Final price confirmed at checkout.
Real feedback from real SpendSmart AI users.
The things people ask before they decide.
No, and it never will. SpendSmart AI does not connect to a bank, does not use an aggregator like Plaid, and does not ask for banking credentials at any point. That is a deliberate product boundary rather than a feature nobody got round to building. Instead of pulling transactions from a bank, you add them yourself in whatever way is fastest: type a phrase like "coffee 5", say it out loud, photograph a receipt, or import a statement file you already have. The AI reads whichever you give it and fills in the amount, category and date. The result is that there is no bank login to leak, because there is no bank login at all.
Records live on the device first, which is why SpendSmart AI stays fast and keeps working with no signal. Once signed in, that data also syncs securely to an account so it is backed up and available on other devices, and while offline every change is saved locally and syncs the moment the connection returns. Signing out stops syncing on that device while the cloud copy is kept. Because nothing is ever pulled from a bank, the only financial data SpendSmart AI holds is what someone chose to enter. Everything can be exported to CSV on any plan, and both local data and the whole account can be deleted from inside the app.
Free is a usable plan, not a trial. It covers unlimited transactions, twelve months of history, ten smart typed entries a month, five voice entries a month, AI categorization, three budgets, three recurring entries, three shared groups you start, with no limit on the ones you're invited to, CSV export and offline sync. Statement files in OFX, QFX or CSV are read on your device, so SpendSmart AI doesn't meter those at all; only a PDF, or a file it can't read, needs the AI, and Free includes one AI statement import a month. Pro costs $2.99 a month or $25.99 a year in the United States and is priced by region elsewhere, so the figure shown depends on location and is confirmed at checkout. Pro removes the monthly limits and adds receipt scanning, AI monthly insights, unlimited recurring entries, PDF reports, full history beyond twelve months, unlimited shared groups, and priority support.
Three, all from the same box on the Add screen, plus a manual form for anyone who would rather fill in fields directly. Typing in plain language is enough, so "zomato 485" works and SpendSmart AI figures out the rest. Tapping the microphone captures the same phrase spoken aloud, which runs through exactly the same parser as typed input. Tapping the camera scans a receipt and reads the merchant, date and amount; receipt scanning is a Pro feature. Typed, spoken and scanned entries all show a review card before anything is saved, so the AI never commits a guess unseen.
Yes, and it's the fastest way to start with real history rather than an empty app. Open Settings, choose Import from statement, and pick a file up to 10 MB; the first 500 rows are read. OFX, QFX and CSV files are parsed on your device and never uploaded anywhere, which is why SpendSmart AI doesn't limit how many you bring in. A PDF goes to the AI instead, and Free includes one AI statement import a month. Either way the rows are shown for review, so anything unwanted can be unticked and any category corrected before a single transaction is saved. Rows resembling ones already recorded are flagged as possible duplicates and left unticked.
It is the number SpendSmart AI shows on Home once an overall monthly budget exists, and it answers the only question a budget really needs to answer: what can be spent right now without breaking it. It takes the monthly budget, subtracts what has already gone, and then sets aside any recurring expenses still due before the month ends, so the figure is what remains after the bills rather than before them. That last step is what makes it trustworthy. If the remaining commitments already use up what is left, it says so plainly instead of showing a comfortable number that would only mislead.