Know exactly where your money goes.
Without giving it to us.
Spend Sense gives you receipt scanning, custom budgets, spending analytics, savings goals, and shared expenses — all running on your device. No account. No cloud upload. No one reading your transactions but you.
Instant
Receipt scan time
95%+
OCR accuracy
150+
Currencies supported
0
Bytes sent to our servers
Only in Spend Sense
Shared budgets, split bills, trip wallets — on-device
Most finance apps stop at budgets and charts. Spend Sense ships features most apps call “too complex” — household shared budgets with genuine privacy, expense splitting without requiring others to sign up, and isolated vacation wallets — all without a server ever touching your data.
Everything included
Seven features. Your complete financial picture.
Every feature ships in the same app — no tiers, no paywalled essentials. Scan receipts, set budgets, read your trends, track goals, split bills, share a household budget, and manage trip spending. All on your device.
Receipt Scanning
On-device OCR. No image ever leaves your phone.
Point your camera at any paper receipt — Spend Sense instantly extracts the merchant, total, date, and line items using Apple Vision Framework. No upload. No server. No privacy risk.
- 95%+ accuracy on printed receipts
- Works completely offline
- Image discarded immediately after scan
- Auto-categorizes based on merchant
Receipt Scanning
Smart Budgeting
Custom categories, live limits, and 50/30/20 templates.
Build a personalised monthly budget with custom categories, spending limits, and rollover rules. Real-time progress bars update with every transaction so you always know where you stand — before overspending.
- Unlimited custom categories with icons
- Nested subcategories (e.g. Food > Groceries)
- 50/30/20 template pre-loaded
- Budget rollover and over-limit alerts
Smart Budgeting
Analytics
Spending trends, category breakdowns, and automatic insights.
See exactly where your money goes with 6+ chart types, automatic insights, merchant frequency analysis, and month-over-month comparisons. Every computation runs locally — your spending patterns never touch a server.
- Monthly trend charts (12-month history)
- Category donut and breakdown charts
- Day-of-week spending heatmap
- Auto-generated plain-English insights
Analytics
Savings Goals
Named targets with live progress rings and milestone alerts.
Create named savings goals — emergency fund, vacation, down payment — with a target amount and optional deadline. A live progress ring updates with every contribution. Milestone celebrations at 25%, 50%, 75%, and 100%.
- 5 contribution strategies (fixed, %, round-up, windfall, deadline)
- Progress ring with animated fill
- Push notifications at key milestones
- Motivating photo attachment per goal
Savings Goals
Expense Splitting
Split bills without making anyone else download the app.
Divide any expense by equal share, percentage, or custom amounts. Generate a clean breakdown and share it via iMessage, WhatsApp, or any app — the other person needs nothing installed.
- Equal, percentage, or custom splits
- Share breakdowns via any messaging app
- No account needed for recipients
- Tracks who owes what across multiple bills
Expense Splitting
Household Mode
A shared budget for couples and families — with true privacy.
Up to 6 people share one household budget with end-to-end encryption. Each member sees shared expenses but their personal budget stays completely private — not even household members can see it.
- End-to-end encrypted shared ledger
- Personal budgets invisible to other members
- Up to 6 household members
- Shared categories with individual contribution tracking
Household Mode
Vacation Tracking
Isolated trip budgets in any currency, auto-archived when you land home.
Create a separate budget for any trip, denominated in any of 150+ currencies. Spending is kept entirely isolated from your regular budget and auto-archives the moment you mark the trip as complete.
- 150+ currencies with live conversion
- Multi-destination and multi-currency trips
- Completely isolated from main budget
- Auto-archives at trip end
Vacation Tracking
Privacy by Design
Your data never leaves your phone
Every architecture decision starts with one question: can we build this without seeing your data? Every time, the answer is yes.
AES-256 encryption
Every transaction stored in an AES-256-GCM encrypted SQLite database on your device.
Secure Enclave keys
Encryption keys are hardware-bound to your device chip via Apple's Secure Enclave — never in memory.
Zero data collection
No analytics SDK. No advertising ID. No server-side financial data. Nothing to breach.
Offline-first
Every core feature works with no internet. Receipt scanning, budgeting, analytics — all on-device.
E2E iCloud backup
Optional iCloud sync uses CloudKit end-to-end encryption. Even Apple cannot read your data.
No account required
No email, no password, no sign-in. Open the app and start using it immediately.
Want to understand the full security architecture?
Encryption stack, Secure Enclave key management, what-if breach scenarios, and iOS permission details.
Free Web Tools
Free calculators. No download needed.
Six financial calculators that run entirely in your browser. No account. No data sent anywhere.
Why Switch
Why people switch to Spend Sense
Most finance apps work by reading your bank account and selling your data. Spend Sense does neither — and still gives you more.
| Feature | Spend Sense | Others (Mint, YNAB, Copilot) |
|---|---|---|
| No account required | ||
| Works offline | ||
| No bank connection needed | ||
| On-device processing | ||
| End-to-end encrypted backup | Partial | |
| No data sold to third parties | ||
| Receipt scanning | Partial | |
| Expense splitting | ||
| Multi-currency | Partial | |
| iOS Shortcuts integration |
Your finances. Your device. Your rules.
Join 10,000+ people waiting for early access. Free to join — no credit card, no commitment.