About
This app helps you understand your real-time spending limit by subtracting bills, debt, and a safety buffer from your income. It automatically captures transactions from SMS, email, and receipts, all processed privately on your device.
What's New in Optiexpense
2.0.2
August 24, 2026
Optiexpense 2.0.2 is a big upgrade: • Smarter automatic capture — bank SMS and email receipts are detected and logged more accurately across more banks and countries, with on-device AI that better understands the merchant, amount, and whether it's income or an expense. • Face ID / Touch ID app lock to keep your finances private. • Nightly spending coach — a gentle end-of-day summary of your habits, based on your income and goals. • Redesigned Money Coach and onboarding, plus a header that shifts with the time of day. • Clearer analytics — category-colored charts and a redesigned savings streak. • Everything runs on-device for privacy, with daily iCloud backup. • Faster and smoother, with reliability fixes throughout.
MoreIn-App Purchases
$9.99
Premium Unlock
Unlock the full app — one-time purchase.
FAQ
How does Optiexpense calculate my safe-to-spend amount?
Optiexpense calculates your safe-to-spend by taking your income and subtracting upcoming bills, debt payments, and a pre-set safety buffer. This provides a clear, real-time understanding of your available funds.
How does Optiexpense ensure my financial data is private?
All data processing, including AI transaction analysis, occurs locally on your iPhone. Your financial information never leaves your device or is sent to any servers, ensuring complete privacy.
What types of transactions can Optiexpense automatically capture?
Optiexpense can automatically capture transactions from bank SMS alerts, connected Gmail accounts for email receipts, and via your phone's camera for paper receipts. You can also quickly add other expenses manually.
Does Optiexpense have ads?
No, Optiexpense is ad-free. The app is designed to provide a clean and uninterrupted financial management experience without advertisements.
What devices is Optiexpense available on?
Optiexpense is currently available on iPhone. The app is optimized for the iOS platform.
How often is Optiexpense updated?
Optiexpense was last updated on August 5, 2026, with version 1.0. Future updates will be included with the one-time purchase.
What is the age rating for Optiexpense?
Optiexpense has an age rating of 4+. This indicates it is suitable for a wide range of users, including younger individuals learning about finance.
Can I track my debts with Optiexpense?
Yes, Optiexpense allows you to track your debts. You can log the balance and set monthly payments, and the app will help you monitor your progress as the debt counts down.