# AI Spend Tracker: RetroBudget — Credit Card PDF Analyzer > AI-powered expense tracker that analyzes uploaded PDF bank statements. (iPhone/iPad app by Pushpinder Pal Singh.) - Source: https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764 (this page in markdown: same URL + `.md`) - Developer: [Pushpinder Pal Singh](https://appshunter.io/developer/1527766642) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 3.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 18.5 · 21 MB - Languages: American English - Released: 2025-11-19 - Data updated: 2026-08-24 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764/reviews.md ## What is AI Spend Tracker? RetroBudget is an AI expense tracker made by one independent developer. I built it around a simple problem: credit card statements contain the answers, but they make it surprisingly hard to understand where your money actually went. Most finance apps want you to connect a bank account. RetroBudget takes a different route. Upload a credit card statement PDF you already have, and RetroBudget turns the transactions into a clear view of your spending without your bank password or live account access. What you can see: • Spending by category, merchant, and card • Recurring charges and monthly spending patterns • Simple charts that make the numbers easier to understand • Live Activity and optional notifications while a statement is processed How it works: 1. Choose a credit card statement PDF 2. AI reads and categorizes the transactions 3. Explore your spending breakdown 4. Delete the statement whenever you’re done Your imported PDF and extracted records remain in your iCloud-backed app storage until you delete the statement. RetroBudget uses Sign in with Apple and does not require bank linking. RetroBudget isn’t built by a big finance company. It’s an independent app I’m making to solve one focused problem well. If it helps you understand your spending a little faster, it’s doing its job. Privacy Policy: https://retrobudget.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - AI-powered transaction categorization from PDF statements - Spending breakdowns by category, merchant, and card - Multi-card tracking - Visual spending charts - No bank account linking required - Privacy-focused statement processing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Annual | $59.99 | per year | | Pro | $5.99 | per month | ## Frequently asked questions about AI Spend Tracker ### How does RetroBudget categorize transactions? RetroBudget uses AI to read uploaded PDF bank and credit card statements. It automatically sorts each transaction into relevant categories, providing a detailed spending breakdown without needing direct bank access. ### Does RetroBudget require linking my bank accounts? No, RetroBudget is designed specifically to avoid linking bank accounts. You upload PDF statements directly, ensuring your sensitive banking credentials are never shared with the app. ### What is the pricing for RetroBudget? RetroBudget is free to download and use. It offers optional Pro and Annual subscription plans, with the Annual plan including a 14-day free trial. ### How does RetroBudget handle user privacy? Your uploaded statements are processed and then deleted. The app does not store any data on servers after categorization, and it never asks for your bank password, prioritizing your privacy. ### What subscription plans are available for RetroBudget? RetroBudget offers a Pro plan at $5.99 per month and an Annual plan for $59.99 per year, which includes a 14-day free trial. ### What devices does RetroBudget support? RetroBudget is currently supported on iPhone devices. ### How often is RetroBudget updated? The latest version, 1.2, was released on May 31, 2026. Updates are provided by a solo indie developer who actively seeks user feedback. ### What is the age rating for RetroBudget? RetroBudget has an age rating of 4+, making it suitable for a wide range of users. ## Version history (last 5 releases) ### 1.4 — 2026-08-18 Statement imports are now more reliable. Unlock password-protected credit card PDFs during setup, or retry a failed import without choosing the file again. New • Delete your account from Settings, with the option to erase iCloud-backed PDFs and imported financial data. Improved • Category setup works better with larger text, easier-to-tap controls, and clearer VoiceOver labels. Fixed • Deleting a statement now removes both its imported data and PDF. If iCloud cleanup is interrupted, it can safely continue later. • PDFs shared from other apps remain ready to retry if an import fails. • Signing out during setup safely cancels any import in progress. ### 1.3 — 2026-07-15 We’ve fixed bugs to make the app faster, smoother, and more reliable. Enjoy fewer crashes, improved performance, and a better experience when using key features. ### 1.2 — 2026-05-31 We’ve fixed bugs to make the app faster, smoother, and more reliable. Enjoy fewer crashes, improved performance, and a better experience when using key features. ### 1.1 — 2026-03-19 - Sign in with Apple One tap to sign in. Session stays alive across all your devices. No more re-logging. - Live Activity for Statement Processing Upload a bank statement and watch it get processed in real time. Progress shows up on your Lock Screen and Dynamic Island. Just stare at it. It's satisfying. - Redesigned Onboarding New onboarding flow. Pick your categories, sign in, upload a statement. Three taps and you're in. - Category Sync Spending categories now sync to the cloud. Edit them in Settings, they update everywhere. - Redesigned Home Screen Dashboard got a glow-up. Better chart legends, zero-amount categories are hidden, and a proper empty state so you're not just staring at a blank screen on day one. - Notifications Get a ping when your statement is done processing. Opt in from Settings. - Bug Fixes & Improvements •⁠ ⁠Live Activity app icon actually renders now •⁠ ⁠PDF sharing from other apps is way more reliable •⁠ ⁠Chart legends stay in order (finally) •⁠ ⁠Encrypted PDFs prompt for passwords inline •⁠ ⁠iOS 18.5 support ### 1.0 — 2025-11-19 No release notes. ## Apps similar to AI Spend Tracker | App | Rating | Price | Category | | --- | --- | --- | --- | | [Ticker: Stocks & SEC Filings](https://appshunter.io/ios/app/ticker-stocks-and-sec-filings/id6737159850) | 5.0 (4) | Free | Finance | | [Rule: personal finance](https://appshunter.io/ios/app/rule-personal-finance/id1596097529) | 5.0 (3) | Free | Finance | | [Pocket:Track all your finances](https://appshunter.io/ios/app/pockettrack-all-your-finances/id6447450288) | 1.0 (1) | Free | Finance | | [Goaley: Savings Goal Tracker](https://appshunter.io/ios/app/goaley-savings-goal-tracker/id6448198722) | 4.7 (6) | Free | Finance | | [Money tracker - Windfall](https://appshunter.io/ios/app/money-tracker-windfall/id6479275107) | — | Free | Finance | | [SFCU Visa CC](https://appshunter.io/ios/app/sfcu-visa-cc/id1361706964) | 2.3 (3) | Free | Finance | ## More apps by Pushpinder Pal Singh - [ArtiWeather](https://appshunter.io/ios/app/artiweather/id6446815662) - [Offline Card Vault: Holder](https://appshunter.io/ios/app/offline-card-vault-holder/id6475649492) - [PaddockPlan](https://appshunter.io/ios/app/paddockplan/id6479947452) All apps by Pushpinder Pal Singh: https://appshunter.io/developer/1527766642 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*