# Smart Expense Control — Personal Finance & Budgeting

> Personal Finance & Budgeting (iPhone/iPad app by Juan Camilo Marin Ochoa.)

- Source: https://appshunter.io/ios/app/smart-expense-control/id6760639910 (this page in markdown: same URL + `.md`)
- Developer: [Juan Camilo Marin Ochoa](https://appshunter.io/developer/1596861993)
- Category: Finance, Utilities
- Price: $0.99 (on sale, was $2.99)
- Age rating: 4+
- Requires: iOS 26.2 · 5 MB
- Languages: American English, Dutch, French (France), German (Germany), Italian, Brazilian Portuguese, European Spanish
- Released: 2026-03-19
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/smart-expense-control/id6760639910/reviews.md

## What is Smart Expense Control?

Smart Expense Control is the definitive tool for anyone looking to manage personal finances with precision, speed, and maximum security. Designed to be intuitive and powerful, it lets you understand exactly where your money goes, how much you have until next payday, and what your cards and debts are charging you — all in one app, with no ads and nothing sent to the cloud.

PAY PERIODS AND LIVE BALANCE
- Configure your schedule: monthly, biweekly with custom days, or weekly.
- See your current period's income, outflow, and net balance in the Dashboard.
- Compare past periods to spot trends.

COMPLETE PAYMENT METHODS
- Cash, debit, and credit cards with configurable closing and due days.
- Every expense knows which method was used.
- Credit cards show pending statement, what to pay at due date, and credit limit usage.

RECURRING OBLIGATIONS WITH HISTORY
- Create templates for electricity, internet, rent, subscriptions, etc.
- Each month the obligation is auto-generated; when paid it's recorded forever.
- Browse month-by-month history: when you paid, how much, and which you skipped.

DEBTS WITH INSTALLMENT PLANS
- Register loans or personal credits with starting amount, monthly interest, and installment count.
- The app computes the fixed installment; or enter the installment and the app computes the interest rate.
- Track progress, installments paid, remaining balance, and percentage cleared.

SAVINGS GOALS
- Define goals with a target amount, register deposits, and watch progress on a clear bar.
- Also works without a target when you just want to accumulate.

AUTOMATIC FIXED COSTS
- Maintenance fees, insurance, and other recurring charges are generated automatically every period.
- They appear on the card statement or as a period expense, as appropriate.

SMART TRANSACTION EDITOR
- Tap any movement in history to edit it.
- The app explains what your change affects: period balance, pending statement, debt balance, savings progress.
- Safe deletion with contextual confirmation; obligations are automatically marked pending again.

MULTI-DIMENSIONAL CATEGORIZATION
- Classic categories (Food, Transport, Home, Health, etc.) and social contexts (Solo, Partner, Family, Work, Travel, etc.).
- Powerful history filters by type, category, context, and payment method.

SMART INSIGHTS
- Alerts when a category grows more than 15 % vs. last month.
- Warnings if a card will exceed your available balance.
- Reminders when an obligation is overdue.
- Indicator when you've spent over 80 % of the period's income.

TOTAL PRIVACY AND SECURITY
- All your data lives only on your iPhone with SwiftData.
- Lock with Face ID or Touch ID.
- AES-256 encrypted backup: export everything to a file and restore whenever you want.

ELEGANT VISUALIZATIONS
- Swift Charts: spending by day and by week, breakdown by category, top contexts.

VISUAL PICKERS
- Choose icons from a gallery organized by category (money, home, transport, health, etc.).
- Pick colors from a wide palette or enter a custom one.

DESIGNED FOR IOS 26
- Native interface with the latest tab API, smooth animations, and iPad support.
- Multi-language: Spanish with regional variants (Mexico, Argentina, Colombia, Latin America) and English.

No subscriptions, no ads, no external accounts. Just you and your finances.


## Version history (last 2 releases)

### 2.0.0 — 2026-05-26

The biggest update yet: Smart Expense Control goes from being just an expense tracker to your complete personal finance system.

Biweekly pay cycles
If you get paid twice a month, set the exact days in Settings and see your net balance per cycle: how much came in, how much you spent, and what's left until next payday. Monthly and weekly schedules work too.

Income and period balance
Log your paycheck and one-off income (severance, bonuses, freelance clients). The Dashboard shows income − outflow live.

Credit cards with statement tracking
Add your cards with closing and due days. Every charge enters the pending statement; the app tells you what to pay at the due date and how much of your limit you're using. Maintenance fees and insurance generate automatically.

Recurring obligations with history
Create templates (electricity, internet, rent, subscriptions) and each month they appear as pending. When you pay, they stay in history — no more losing month-by-month traceability.

Debts with installment plans
Register external loans with monthly interest and installment count. The app computes the fixed installment — or enter the installment and the app computes the rate. Track progress and installments paid.

Savings goals
Set goals, register deposits, and watch progress toward your target.

Smart editor
Tap any transaction in history to edit it. The app clearly explains what your change affects: period balance, pending statement, debt balance, savings progress.

Visual pickers
Choose icons from a curated gallery and colors from a palette — no hex codes needed.

Reinforced privacy
Everything stays 100% local on your iPhone. AES-256 encrypted backup now includes absolutely everything (models, settings, and pay cycle) in a single file.

Multi-language
Spanish with regional variants (Mexico, Argentina, Colombia, Latin America) and English.

### 1.0.0 — 2026-03-19

No release notes.

## More apps by Juan Camilo Marin Ochoa

- [Crear QR](https://appshunter.io/ios/app/crear-qr/id1596861991)
- [Dictation to Text](https://appshunter.io/ios/app/dictation-to-text/id1596990313)
- [Calculadora - Básica](https://appshunter.io/ios/app/calculadora-basica/id1631628532)
- [Full Billing](https://appshunter.io/ios/app/full-billing/id1638065720)
- [PDF Only - PDF editor](https://appshunter.io/ios/app/pdf-only-pdf-editor/id1668607016)
- [GIF Creator - Maker](https://appshunter.io/ios/app/gif-creator-maker/id6449068831)

All apps by Juan Camilo Marin Ochoa: https://appshunter.io/developer/1596861993

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*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 2026-08-23.*