# Smart Money Tracker: Budget — Budget, Bills & Net Worth

> Private, offline personal finance tracker for budgeting, bills, and net worth. (iPhone/iPad app by Abhishek Arora.)

- Source: https://appshunter.io/ios/app/smart-money-tracker-budget/id6808411129 (this page in markdown: same URL + `.md`)
- Developer: [Abhishek Arora](https://appshunter.io/developer/6808411131)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 18.0 · 2 MB
- Languages: American English
- Released: 2026-09-22
- Data updated: 2026-10-01
- Monetization: free

## What is Smart Money Tracker?

SmartMoney is a private, offline personal finance tracker that keeps your financial data on your device. No sign-up, no bank linking, no ads, and no tracking.

TRACK YOUR MONEY

Log transactions manually or import them from a CSV export of your bank statement. Attach receipt photos to transactions to keep your records organized.

UNDERSTAND YOUR SPENDING

See your monthly spending by category, discover your top merchants, and compare your spending month over month so you can understand where your money is going.

BUDGET WITH CONFIDENCE

Set monthly budgets for each category and see how much you have left to spend in real time. Use the Left to Spend Home Screen widget for a quick glance at your budget.

NEVER MISS A BILL

SmartMoney automatically identifies recurring charges and gives you a calendar of upcoming bills, helping you stay ahead of your regular expenses.

KNOW YOUR NET WORTH

Track checking accounts, savings, credit cards, investments, cash, and other accounts in one place. Monitor your net worth and see how it changes over time.

STAY IN SYNC

Use Auto-Reconcile to automatically keep an account balance aligned with your logged transactions, or manage balances manually — you choose.

WORKS WITH SIRI

Log expenses hands-free with Siri, such as: “Hey Siri, log an expense in SmartMoney.”

PRIVATE BY DESIGN

Your financial data stays on your device. SmartMoney doesn't require an account or bank connection and doesn't use ads, trackers, or analytics.

Your financial data is yours. Full stop.

## Key features

- Offline personal finance tracking
- Manual transaction logging
- Receipt photo attachment
- Monthly spending analysis
- Category-based budgeting
- Bill tracking and calendar
- Net worth monitoring

## Is Smart Money Tracker safe?

Not enough ratings yet to assess Smart Money Tracker.

## Is Smart Money Tracker legit?

Smart Money Tracker: Budget has limited verification signals. The AppsHunter Legitimacy Score for Smart Money Tracker is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about Smart Money Tracker

### Does Smart Money Tracker have ads?

No, Smart Money Tracker is designed to be private and does not use advertisements. It is completely ad-free.

### Is Smart Money Tracker free to use?

Yes, Smart Money Tracker is available for free. There are no costs associated with downloading or using its core features.

### What devices does Smart Money Tracker support?

Smart Money Tracker is available on iPhone and iPad devices, offering a seamless experience across Apple's mobile platforms.

### How secure is Smart Money Tracker?

Smart Money Tracker prioritizes privacy by keeping all your financial data on your device. It does not require sign-up, bank linking, or online tracking, ensuring your data remains private.

### Can I import my bank statements into Smart Money Tracker?

Yes, you can import transactions from a CSV export of your bank statement. This allows for easy data migration and organization within the app.

### How often is Smart Money Tracker updated?

Smart Money Tracker was last updated on September 22, 2026, with version 1.0. Future updates will likely follow to introduce new features and improvements.

### What is the age rating for Smart Money Tracker?

Smart Money Tracker has an age rating of 4+, making it suitable for a wide range of users interested in managing their finances.

### Can I use Siri to log expenses with Smart Money Tracker?

Yes, Smart Money Tracker integrates with Siri, allowing you to log expenses hands-free. You can say commands like, 'Hey Siri, log an expense in Smart Money Tracker.'

## Version history (last 1 release)

### 1.0 — 2026-09-22

No release notes.

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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 2026-10-01.*