# Optiexpense > Real-time safe-to-spend calculation with automatic, private transaction capture. (iPhone/iPad app by OPTIZENCE LLC.) - Source: https://appshunter.io/ios/app/optiexpense/id6794386616 (this page in markdown: same URL + `.md`) - Developer: [OPTIZENCE LLC](https://appshunter.io/developer/6783594006) - Category: Finance - Price: Free with in-app purchases - Rating: 4.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 26.0 · 6 MB - Released: 2026-08-05 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/optiexpense/id6794386616/reviews.md ## What is Optiexpense? Optiexpense — Private Finance Know exactly how much you can spend today. Optiexpense shows a real-time "Safe to Spend" number — your income, minus upcoming bills, minus debt payments, minus a safety buffer. No guessing. No spreadsheets. Everything runs on your iPhone. No account, no sign-in, no tracking, and no subscription. Your financial data never leaves your device, with an optional private backup to your own iCloud. SAFE TO SPEND, IN REAL TIME See what's truly free to spend after your commitments — updated the moment you add income, a bill, or an expense. AUTOMATIC CAPTURE (NEW IN 2.0) • Bank SMS is read on-device by a Message Filter extension and turned into transactions — across more banks and countries. • Email receipts are parsed from an account you connect. • Smarter on-device AI understands the merchant, the amount, and whether it's income or an expense. SMART ANALYTICS • Category-colored spending donut and a clear income-vs-spend overview. • On-device AI insights that spot trends and over-budget categories. • Weekly and 90-day views. PLAN & STAY ON TRACK • Budgets with per-category pace tracking and early over-budget warnings. • Recurring bills and subscriptions with reminders. • Cash-flow forecast projecting your balance 30–90 days out. DEBT & NET WORTH • Track what you owe and what you're owed, with interest-cost insights. • See assets vs liabilities and your net worth at a glance. MONEY COACH (NEW IN 2.0) Ask "can I afford this?" and get grounded, on-device answers based on your real numbers. A nightly coach summarizes your spending habits and nudges you toward your goals. PRIVATE BY DESIGN • Face ID / Touch ID app lock (new in 2.0). • On-device processing with Apple Intelligence, plus a built-in fallback so every feature works on older iPhones too. • No ads. No trackers. No data selling. Free to try for 14 days, then a single one-time purchase unlocks everything — no monthly fees. ## Key features - Real-time safe-to-spend calculation - Automatic transaction capture (SMS, email, receipts) - On-device AI for privacy - Smart bills and debt tracking - Weekly spending analytics - Siri and Shortcuts integration ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium Unlock | $9.99 | one-time | ## Frequently asked questions about Optiexpense ### 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. ## Version history (last 5 releases) ### 2.0.2 — 2026-08-24 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. ### 2.0.1 — 2026-08-22 Optiexpense 2.0.1 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. ### 2.0 — 2026-08-21 Optiexpense 2.0 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. ### 1.5 — 2026-08-14 • Automatic daily iCloud backup — your data is safely backed up to your private iCloud, and you can restore it anytime from Settings. • More accurate automatic capture — improved reading of card spends, refunds, and foreign-currency amounts. • Safe-to-Spend and cash-flow forecasts now count recurring bills correctly. • More reliable bill payments, debt tracking, and split expenses. • Stability and performance improvements. ### 1.0 — 2026-08-05 No release notes. --- *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 2026-08-26.*