# SpendByMe — Automatic Money Manager

> AI-powered automatic expense, subscription, and bill tracking from SMS and email. (iPhone/iPad app by Abhinav Ranjan Jha.)

- Source: https://appshunter.io/ios/app/spendbyme/id6761703663 (this page in markdown: same URL + `.md`)
- Developer: [Abhinav Ranjan Jha](https://appshunter.io/developer/1890999305)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.0 · 89 MB
- Languages: American English
- Released: 2026-04-15
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/spendbyme/id6761703663/reviews.md

## What is SpendByMe?

Stop tracking expenses manually.

Most expense tracker apps expect you to enter everything yourself. That’s where people give up.

SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically.

Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically.

No spreadsheets. No daily effort. No confusion.
Just clarity.

Works with almost every major currency worldwide.

▶ Track your money in 3 simple ways

1. Automatic expense tracking
Transactions can be tracked automatically using transactional SMS messages and email alerts.
Connect your email to fetch transaction alerts and credit card statements automatically.

2. Paste any transaction
Paste a bank message and it gets categorized and added instantly.

3. Manual entry
Add amount, merchant, and account. SpendByMe completes the rest automatically.

▶ Smart expense categorization
• Automatically categorizes your transactions
• Learns from your usage and improves over time
• Set custom rules for full control
• No need to fix categories again and again

▶ All your money in one place
• Bank accounts, credit cards, wallets, and cash
• Automatic balance tracking
• One clean view of your finances
• Automatic currency conversion support

No switching between apps. No guesswork.

▶ Smart credit card management
• Track credit card bills, due dates, and limits
• Monitor spending across multiple cards
• Understand your real credit usage
• Avoid missed payments and late fees

▶ Subscription, loan & EMI tracker
• Detect subscriptions, EMIs, loans, and recurring payments
• Track upcoming payments and due dates
• Avoid missed payments and hidden charges

▶ Splits with friends & couples
• Split expenses with friends instantly
• Track shared expenses for trips and groups
• Manage couple expenses easily
• Send reminders in one tap

▶ Tags & sub-tags for better organization
• Organize transactions using tags and sub-tags
• Track reimbursements and shared payments
• Create trip budgets and event budgets
• Filter transactions exactly how you want

▶ Spending map & smart insights
• See where you spend money on a map
• Track location-based spending habits

▶ Upcoming payments & invoice tracker
• Track upcoming bills and payments
• Create and manage invoices

▶ Budget planner & goal tracking
• Create budgets in seconds
• Track savings goals and financial targets

▶ Accurate financial tracking
• Separates expenses, income, and transfers properly
• Clean and reliable data
• Search any transaction instantly
• Real insights into your spending

▶ Powerful search & insights
• Search transactions, tags, merchants, or notes instantly
• AI-powered insights
• Understand where your money goes

Privacy-first expense tracker

▶ Your data stays yours.
• Everything stays on your device unless you enable sync
• Only transactional messages and emails are processed
• No access to personal chats
• No unnecessary data collection

SpendByMe does not read personal chats, OTPs, or unrelated messages.

Flexible and easy to use
• Want full automation? It’s there
• Prefer manual control? That works too

SpendByMe adapts to you.

Gets smarter over time.
The more you use it, the better it becomes.
Better categorization. Better accuracy. Less effort.

Take control of your money today.

Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app.


Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Automatic expense tracking via SMS/email
- Smart expense categorization
- Credit card bill and due date tracking
- Subscription, loan, and EMI tracker
- Expense splitting with friends/couples
- Budget planner and goal tracking
- Spending map and insights

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Spendbyme Plus Monthly | $3.99 | per month |
| Spendbyme Plus Yearly | $29.99 | per year |
| Spendbyme Max Monthly | $7.99 | per month |
| Spendbyme Max Yearly | $59.99 | per year |
| SpendByMe Pro - Monthly | $1.99 | per month |
| SpendByMe Pro 6 Months | $7.99 | per 6 months |
| SpendByMe Pro 1 Year | $14.99 | per year |


## Recent user reviews (10 of 13)

All indexed reviews: https://appshunter.io/ios/app/spendbyme/id6761703663/reviews.md

### 5/5 — App is Useful But has lot bugs

*2026-08-02*

Buggy app, you want to use it, but due to nature of bugs you kind of loose your interest. 
Eg - one time app will work correct just another min it will stop and everything will become blank

### 1/5 — Data lost for previous months

*2026-08-01*

All the data for the previous months is lost when the app was updated. Do not recommend using it

### 3/5 — Great app although data is erased

*2026-07-28*

Overall the app is really good. But i have lost all my data twice even when the cloud sync was on.

### 5/5 — Love the app, Small Suggestion/Request

*2026-07-26*

Hey mate, love the app, been a user for a decent time to know that it’s a great app. I use all of the features and it has easily become my most reliable way to track my expenses and finances. 

Small request, can you give us an overhaul of the categories and category rules section?

While those are great features in the app currently, the added ability to edit, create, delete and manage the categories better (including the default ones) would be an incredible benefit for the user. And along with that, whatever optimisations need to go for category rules so they work hand in hand would be the cherry on top. 

Again, great app, everything works well, love it. 🫶🏼

### 4/5 — Amazing application and features

*2026-07-21*

The application is simply amazing. It’s feature loaded and designed beautifully. The auto-detect feature works pretty well. But one thing I felt was that, the app is still laggy and device heats up faster when using the app. I use iPhone 13 with up to date software version. 
Apart from these two, I didn’t find any other issues with the app. 

I used to use a different app, but after seeing and using this app for a week, I shifted to this now. Kudos.

### 4/5 — All good

*2026-07-03*

After reinstalling the app everything looks good. Kudos to the team.

### 5/5 — Add XOF to supported currency

*2026-06-28*

Perfect app but please add XOF as currency

### 5/5 — Outstanding

*2026-06-11*

Best app to track all you expenses with simple efforts.Kudos to the developers team.Only suggestion to implement to options to increase the font size in the entire.Its too small for me.Otherwise works fine

### 2/5 — data lost after updating

*2026-05-13*

I’m currently using the free tier. After updating the app all the transactions i earlier enterd were gone. is this any glitch or only premium membership owners were able to keep the transaction

**Developer response:** Turn on cloud sync, issue will be fixed

### 5/5 — Best one so far

*2026-05-08*

One of the best app for money tracking and management

## Frequently asked questions about SpendByMe

### Does SpendByMe have ads?

Yes, SpendByMe contains advertisements to support its free service. Users can opt for a premium subscription to remove ads and access additional features.

### What are the subscription plans for SpendByMe Pro?

SpendByMe Pro offers monthly ($1.99), 6-month ($7.99), and annual ($14.99) subscription plans. These plans provide an ad-free experience and enhanced features.

### How does SpendByMe track expenses automatically?

SpendByMe analyzes transactional SMS messages and statement emails to automatically track expenses, subscriptions, credit card bills, and EMIs, eliminating manual entry.

### Is SpendByMe secure for my financial data?

SpendByMe emphasizes a privacy-first approach, stating that your data stays on your device unless you enable specific sharing features. It focuses on analyzing transactional data for tracking purposes.

### What devices does SpendByMe support?

SpendByMe is available on iPhone and iPad devices, catering to users within the Apple ecosystem.

### How often is SpendByMe updated?

The latest version of SpendByMe is 1.37, and it was last updated on June 15, 2026. This indicates a relatively active development cycle.

### Can SpendByMe track shared expenses?

Yes, SpendByMe includes features for splitting expenses with friends and couples, tracking shared costs for trips and groups, and managing couple expenses easily.

### What is the age rating for SpendByMe?

SpendByMe has an age rating of 4+, making it suitable for a wide range of users, including younger individuals managing allowances or family budgets.

## Version history (last 5 releases)

### 1.60 — 2026-08-08

- Updated: Better category and sub-category hierarchy.
- Fixed: Resolved an issue causing auto-logout for some users.
- Fixed: Addressed crashes and UI lag issues on some devices.

### 1.59 — 2026-08-03

Fixed: Sync crash and sync issues.
Fixed: Balance shows NA for some users.
Fixed: App crashes and other minor glitches.

### 1.58 — 2026-07-30

- Fixed: Data Sync Bug — Resolved a critical issue that caused auto-logout and missing transactions.
- Updated: Speed & Stability — Optimized app initialization making the app significantly faster and smoother.

### 1.57 — 2026-07-29

- Fixed: Sync Issues — Fixed net worth and total balance display sync.
- Fixed: Credit Card Ledger — Fixed available limit calculation bug in credit card ledger.

### 1.56 — 2026-07-28

Fixed: Stability Improvements — Fixed lots of crashes to provide a much smoother experience.
Updated: Dashboard UI — Made the homescreen a little bit cleaner.
Fixed: Paste SMS — Resolved an issue where pasting an SMS was not storing the raw message and incorrectly setting the source to manual.

## More apps by Abhinav Ranjan Jha

- [Tact: Control Deck](https://appshunter.io/ios/app/tact-control-deck/id6797934904)
- [MagicDM](https://appshunter.io/ios/app/magicdm/id6802230470)

All apps by Abhinav Ranjan Jha: https://appshunter.io/developer/1890999305

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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 2026-08-26.*