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Smart Spend: Cost Analyzer

Smart Spend: Cost Analyzer

Spending Tracker & Budget

257 ratings
37 reviews
With Ads
📚 Education
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • May 21, 2019
  • November 20, 2023

Features

Developer

Scicotherapy Labs LLC
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Smart Spend: Cost Analyzer screenshot #1 for iPhone
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Smart Spend: Cost Analyzer screenshot #9 for iPhone
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About

This app helps you actively understand and transform your spending habits through hands-on learning and financial insights. It offers customized budgeting tools, engaging trivia, and advanced analysis without linking bank accounts, prioritizing your privacy. Receive daily feedback and earn rewards for improving your financial discipline.

✓Active spending and savings tracking
✓Financial pattern identification
✓Spending knowledge trivia game
✓Customizable budgeting (Cash Pool, MicroBudgets)
✓Advanced search and filter tools
✓Privacy-focused, no bank linking
✓Siri integration and iOS widgets
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What users say

Summarized from real user reviews of Smart Spend. Based on 257 reviews and a 4.7/5 average, it highlights the 42 positives and 6 negatives reviewers mention most about this Finance app.

Positive things

  • 💡Original take on budgeting
  • 💡Risk of purchase indicator
  • 💡Annual expenses tracking
  • 💡Brilliant cash pool idea
  • 💡Prioritize purchases (needs, loves, likes, wants)
  • 💡Gamification of budgeting (trivia)
  • 👍Easier to use than others
  • 🎨Beautiful design
  • 👍Straightforward and simple
  • 👍No sign-in/account creation required
  • 👍Great customer service
  • 👍Actually helpful for saving
  • 👍Gets you thinking about purchases
  • 👍Emphasizes saving
  • 👍Prevents unnecessary purchases
  • 👍One of the best budgeting apps
  • 💡Add more themes for app look
  • 👍Just what I needed
  • 👍Very good
  • 👍Brilliant app with better offerings
  • 👍Free app without ads
  • 🔒Respect for privacy (no email/account setup)
  • 👍Developers open to feedback
  • 👍Excellent app
  • 👍Great for analyzing spending
  • 💡Real income feature (savings/bills excluded)
  • 💡Feature to list desired purchases for analysis
  • 👍Great, fun app
  • 👍Amazing app and customer service
  • 👍Founder responsive and polite
  • 👍Incorporating into daily habits
  • 👍Helps with budgeting
  • 👍Almost perfect
  • 👍Amazing, easy to use for millennials
  • 👍Constantly adding new features
  • 👍Helpful for teen users
  • 👍Caters to teens and adults
  • 💡Visualizes purchases as work hours
  • 💡Impulse control mechanism
  • 💡Practical tool for general purchases
  • 💡Financial literacy foundation
  • 👍User-friendly

Negative things

  • ❌Missing country currency
  • 🐛App crashes after update
  • ❌Cannot edit/delete previous entries
  • ❌No option for weekly expenses (e.g., groceries)
  • ❌Cannot edit bill information (only delete and re-enter)
  • 🐛Hourly income glitch after update
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What's New in Smart Spend

6.0

November 20, 2023

This version marks the start of a new era: ~ Unrestricted access to all of Smart Spend's features, at no cost (ad-free). ~ A steadfast commitment to protecting your privacy. ~ A mission-driven approach, centered around providing technological solutions to unlock and unblock financial empowerment for all

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User reviews

Most RecentHighest RatedLowest Rated

Good app

Really nice app, im waiting for more update and optimize for the app
HopeAdlerHopeAdler

Fantastic app!

Just downloaded a bunch of budgeting apps and this surprisingly as so much on offer. It’s an original take on budgeting that would suit many. I love some of the features:

- Tells you the risk of a possible purchase
- allows you to add annual expenses: I’m not aware of another app that does this
- the cash pool is a brilliant idea, as some of my income is not regular, so I can put extra bits here. I would love to see this visualised at some point, watching an actual pool get bigger- just an idea!
- allows you to prioritise purchases into “needs” “loves” “likes” and “wants” - brilliant idea
- I haven’t tried out the trivia feature, but gamification of budgeting is definitely a win!

To be honest, I’m really surprised there aren’t similar apps out there, as this seems to be a much needed app at such a good price for the premium features.

Thank you creators!
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jesseking100jesseking100

Highly Recommend

This app is by far easier to use than any budgeting app I’ve tried. Beautiful design. Definitely recommend
Sunny63738262Sunny63738262

good app but need Chinese！

can u support Chinese？it‘s very necessary🥹
Patt in HoydeAPatt in HoydeA

Great App

Straight forward, no sign in or account creations, so simple and easy to use. I have one comment I wish the developers will add. is additional income like bonus or any other source of income which can be changed monthly like purchases or different expenses & the ability to change the savings by numbers not only percentage. You guys deserve more than 5 Stars.
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AlsharkaweyAlsharkawey
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Developer apps

Remote Codetrol
Remote Codetrol

Control AI agents from iPhone

🛠️ Developer Tools

(3)

Free
In-App Purchases
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User experience

🐞

Reported Bugs

4 issues

App crashes immediately upon opening after update

Bug

Hourly income input glitch, defaults to $45

Bug

Cannot edit/delete previous entries

Bug

Cannot edit bill information, only delete and re-enter

Bug
✨

Requested Features

8 requests

Visualize cash pool growth

Feature

Add additional income sources (bonus, etc.)

Feature

Ability to change savings by numbers, not just percentage

Feature

Show difference when adding a purchase to see remaining spendable amount

Feature

Add more themes/color options

Feature

Watch compatibility for quick transactions and basic overview

Feature

Option for weekly expense entries

Feature

Ability to edit bill information directly

Feature

FAQ

What does Smart Spend do?

Smart Spend is an active budgeting app designed to help you understand and transform your spending habits. It allows you to track your expenses and savings hands-on, identify spending patterns, and discover saving opportunities. The app focuses on educational learning and discipline to help you achieve your financial goals.

What are the key features of Smart Spend?

Key features include active spending and savings tracking without linking bank accounts, financial insights to identify patterns and saving opportunities, and a spending trivia game to test and improve your financial knowledge. It also offers customized budgeting options like 'Cash Pool' and 'MicroBudgets', advanced search and filter tools, and Siri integration for easy entries.

Is Smart Spend free to use?

Yes, the app is described as 'Forever Free', meaning managing your money with it does not come with a price tag. While the core functionality is free, the app does mention 'free with in-app purchases' in its monetization model, suggesting some optional enhancements might be available for purchase.

What devices is Smart Spend compatible with?

The description mentions 'iOS widgets' and 'Siri for entries', indicating that the app is designed for iOS devices. It emphasizes privacy by keeping your data on your device, so no personal details or bank logins are required for its operation.

How does Smart Spend help with budgeting for irregular incomes?

Smart Spend offers customized budgeting features like 'Cash Pool' and 'MicroBudgets' which are specifically designed to cater to unique financial situations, including irregular incomes and saving for special occasions. These tools allow for more flexible and tailored budget management.