SmartMoney: Budget & Expenses

Track every dollar without linking your bank account. SmartMoney logs expenses and income, tracks budgets with rollover, builds toward savings goals, and shows your net worth trend — all stored privately on your device. SmartMoney is a private, offline personal finance tracker that keeps your financial data on your device. No sign-up, no bank linking, no ads, and no tracking. Log transactions manually or import them from a CSV export of your bank statement. Attach receipt photos to transactions to keep your records organized. UNDERSTAND YOUR SPENDING See your monthly spending by category, discover your top merchants, and compare your spending month over month so you can understand where your money is going. BUDGET WITH CONFIDENCE Set monthly budgets for each category and see how much you have left to spend in real time. Use the Left to Spend Home Screen widget for a quick glance at your budget. NEVER MISS A BILL SmartMoney automatically identifies recurring charges and gives you a calendar of upcoming bills, helping you stay ahead of your regular expenses. KNOW YOUR NET WORTH Track checking accounts, savings, credit cards, investments, cash, and other accounts in one place. Monitor your net worth and see how it changes over time. STAY IN SYNC Use Auto-Reconcile to automatically keep an account balance aligned with your logged transactions, or manage balances manually — you choose. WORKS WITH SIRI Log expenses hands-free with Siri, such as: “Hey Siri, log an expense in SmartMoney.” PRIVATE BY DESIGN Your financial data stays on your device. SmartMoney doesn't require an account or bank connection and doesn't use ads, trackers, or analytics. Your financial data is yours. Full stop.