# Smartr: No More Overspending — Predict, Learn & Block Money > Interactive finance app for spending visualization, prediction, and impulse control. (iPhone/iPad app by ZBGC LLC.) - Source: https://appshunter.io/ios/app/smartr-no-more-overspending/id6755710633 (this page in markdown: same URL + `.md`) - Developer: [ZBGC LLC](https://appshunter.io/developer/1807805624) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 23 App Store ratings · 25 written reviews indexed - Age rating: 4+ - Requires: iOS 18.5 · 60 MB - Languages: English - Released: 2026-02-10 - Data updated: 2026-07-26 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/smartr-no-more-overspending/id6755710633/reviews.md ## What is Smartr? Smartr is a different approach to your money. Instead of just showing you numbers, We will block your shopping apps and tell you why they're harmful. We will show you spend, why you spend, and how the economy affects you. Think you know your spending? then see if you can predict your own money! LEARN YOUR MONEY Smartr turns financial awareness into something you actually want to open every day. Track your spending on an interactive path, answer daily economics quizzes, and predict where your money is headed. SPENDING PATH Your daily spending visualized as a beautiful, interactive journey. Each day is green when you're under budget, red when you're over. Over your week and month, you'll be creating your own finance chart! SPENDING PREDICTIONS Think you know your spending habits? Predict which category will be #1 by month's end. Track your accuracy, compete with yourself, and learn what drives your spending. DAILY FINANCIAL QUIZZES Every day, learn how real-world economics affect your wallet. Short questions about inflation, interest rates, housing costs, etc will help in building your financial literacy one answer at a time. SPENDING SHIELD Go over budget? Smartr can block your impulse-purchase apps (shopping, food delivery, entertainment) until you make a conscious decision to continue. It's like a speed bump for your wallet. SUBSCRIPTION DETECTION Automatically detect every recurring charge across your accounts. See upcoming bills, track annual costs, and never be surprised by a forgotten subscription again. BANK-LEVEL SECURITY Connect your accounts securely through Plaid. Your bank credentials are never stored by Smartr. we only see your transactions, never your login details. KEY FEATURES • Interactive spending path with daily progress nodes • Spending predictions with accuracy tracking • Daily economics and financial literacy quizzes • Automatic subscription and recurring charge detection • Spending Shield: block apps when you go over budget • Category breakdowns and spending trends • Budget streaks and daily check-ins • End-of-month spending projections • Beautiful themes (Classic, Forest, Ocean, Midnight, Coral, Sand) • Home screen widgets • Plaid-powered bank connection • Smartr Talk: contextual AI chat plus in-app shortcuts (Plaid, recaps, subscriptions, limits, themes, goals—see in-app for current tools) HOW IS SMARTR DIFFERENT? Most finance apps show you what you spent. Smartr helps you understand why. Instead of charts and graphs you'll never look at, Smartr gives you an interactive spending path — a visual journey through your week where every day tells a story. Instead of generic tips, you get daily quizzes about real economics that affect your wallet. Instead of just setting limits, Spending Shield actually blocks impulse-purchase apps when you go over budget. Smartr was built on one idea: financial literacy helps. It's that simple. People who understand their money save more, they stress less, make better decisions, and feel more in control. WHO IS SMARTR FOR? • College students learning to manage money for the first time • Young professionals who want to understand where their paycheck goes • Anyone tired of budgeting apps that feel like spreadsheets • People curious about how inflation, interest rates, and economic trends affect their daily spending • Couples who want visibility into shared spending habits • Anyone who wants an AI teammate for everyday money questions—with transparent, grounded answers PRICING Smartr offers a free trial so you can experience every feature. After your trial, a subscription unlocks the full experience. For more & Apple EULA below! Privacy is fundamental to Smartr. We never sell your data. Learn more at our privacy policy. PLEASE NOTE All features require a subscription. However, there is a 14-day free trial. Check out Apple's EULA for more: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Questions? Reach out at support@zbgcllc.com ## Key features - Interactive spending path visualization - Spending prediction with accuracy tracking - Daily financial literacy quizzes - Automatic subscription detection - App blocking for impulse purchases - Bank-level security via Plaid ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Smartr - Monthly | $7.99 | per month | | Smartr Annual | $49.99 | per year | ## Recent user reviews (10 of 25) All indexed reviews: https://appshunter.io/ios/app/smartr-no-more-overspending/id6755710633/reviews.md ### 5/5 — Amazing finance app *2026-06-13, version 1.9.6* It’s just a good money app ### 5/5 — 10 out of 10 app *2026-05-03, version 1.9* I am so surprised that I’m leaving a review because I don’t review often, but this app has been extremely helpful. I definitely recommend! ### 5/5 — Great Learning Tool *2026-04-03, version 1.7* Perfect for anyone who wants to understand finances better. The lessons are simple and practical. ### 5/5 — actually really works *2026-04-02, version 1.6* this app already working, i love the budgeting!! ### 5/5 — Great for Beginners *2026-04-02, version 1.6* Perfect for anyone new to money management. Explains things in a very simple way. ### 5/5 — Smart Choice *2026-04-02, version 1.6* This app lives up to its name. Helpful, intuitive, and great for everyday financial learning. ### 5/5 — Incredible insights, great app! *2026-04-01, version 1.6* A lot of data and insights into my spending, I’m especially looking forward to seeing how economic decisions and news affect me personally ### 5/5 — Simple & Smart! *2026-04-01, version 1.6* This app makes managing money so easy to understand. Clean design and very helpful features. Highly recommend! ### 5/5 — User-Friendly App *2026-04-01, version 1.6* I love how easy it is to navigate. Everything is clear and well organized. Great experience so far! ### 5/5 — Impressive App *2026-03-31, version 1.6* Well-built and very informative. You can tell a lot of thought went into the user experience. ## Frequently asked questions about Smartr ### How does Smartr protect my financial data? Smartr uses bank-level security through Plaid to connect your accounts. Your bank credentials are never stored by Smartr; only your transaction data is accessed. ### What kind of financial topics are covered in Smartr's quizzes? The daily quizzes cover real-world economics such as inflation, interest rates, and housing costs, helping to build your financial literacy one answer at a time. ### Can Smartr help me stop impulse spending? Yes, Smartr's Spending Shield feature can block your impulse-purchase apps, like shopping or entertainment apps, when you go over budget, acting as a conscious decision prompt. ### How does Smartr visualize my spending? Smartr presents your daily spending as a beautiful, interactive journey. Days are colored green when under budget and red when over, creating a visual finance chart over time. ### Does Smartr have a free trial? Smartr is available for free with in-app purchases, meaning you can use its core features without an initial payment or trial period. ### What devices is Smartr available on? Based on the provided data, Smartr is currently supported on iPhone devices. ### How often is Smartr updated? The latest version of Smartr is 1.7.5, and it was last updated on April 4, 2026, indicating a relatively recent update cycle. ### What makes Smartr different from other finance apps? Unlike apps that only show numbers, Smartr focuses on understanding *why* you spend, using interactive visualizations, economics quizzes, and app blocking features to foster financial literacy. ## Version history (last 5 releases) ### 1.9.6 — 2026-05-06 1.9.6 update quick fix! Thank you for everyone downloading the app! I'm happy to hear it's working with a lot of people, and we want to continue to deliver to you some bug fixes to make it better for you to not have to worry about money! - a lot of users noticed an issue in older devices not being able to tap the settings and manual entry button together, we increased the interaction size while also keeping it slick! as always, thank you for supporting, and if you find anything, feel free to email us! we do like to read your emails! Have a good day! ### 1.8 — 2026-04-10 The new 1.8 update! this one's massive, so read all below!: The 1.8 Easy Money update brings: - a great interactive widget (try it out!) - simple easy logging, just use Apple Pay, it's that easy! We want to let people choose how automatic they want their finances, and let people decide their manual stuff, which leads us to the next: - Last Month Recap + paycheck allocations! If you have your bank connected, we now find ways to allocate your deposit so that you can plan more your money ahead - added a way for you to organize the spend view! move components around to make finance work for you, it's a neat concept! - the usual order please: bugs and minor improvements! ### 1.7.5 — 2026-04-04 1.7.5 update is here with some small changes, mostly bug fixes! - fixed important bug related to performance, content should feel much smoother now - added small feature, see if you can find it! - updated the visuals of when an app is blocked, now it should look more interesting this update was mostly a nice minor update, we can't wait for you to see what's coming for the 1.8, and thank you for reading this have a good day! ### 1.5 — 2026-03-21 The big 1.3 update! we kept asking ourselves: how can we literally stop the user from blocking money? Why do people spend money? And here comes two big features that will solve this: - Smartr will block your shopping apps if you're over budget! that's right, fully optional, but if it gives you at least a second thought, or a hesitation, it's worth it! - Smartr will actually teach you about economic events, and how it's impacting what you're spending on right now! crazy! also optional, as it uses ai, which is by default turned off, but check it out! On another note, one of the biggest and hardest criticisms wasn't the feature, but how the app presents itself; so we upgraded our name from Horus to Smartr: Learn Your Money! We want you to know what we are about before you even download our app, so this should help ### 1.2.7 — 2026-03-18 the aesthetics update!  - updated ui and ux for better custom icons - updated product screenshots - better launch animation and content! - updated better subscriptions the 1.3.0 update is coming with some sweet changes, we've been doing a lot to try to keep y'all happy and we really believe that this next one will take us to the next level! but for now, we really think you'll like the new functionalities brought on this update, let us know! thank you for reading have a good day! ## More apps by ZBGC LLC - [PredictAI - Predict Your Life](https://appshunter.io/ios/app/predictai-predict-your-life/id6748563979) - [Average: Compare & Improve](https://appshunter.io/ios/app/average-compare-and-improve/id6756380962) - [Arena: Paper Trade Sports](https://appshunter.io/ios/app/arena-paper-trade-sports/id6767367078) - [Leaked: Check your data breach](https://appshunter.io/ios/app/leaked-check-your-data-breach/id6771940399) All apps by ZBGC LLC: https://appshunter.io/developer/1807805624 ## Related topics [ispending](https://appshunter.io/ios/topics/ispending) --- *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 2026-07-26.*