# SpendGuard: Expense Tracker — Budget Planner & Money Saver

> Expense tracker and spending coach for mindful spending and habit building. (iPhone/iPad app by Ivan Hubar.)

- Source: https://appshunter.io/ios/app/spendguard-expense-tracker/id6760932672 (this page in markdown: same URL + `.md`)
- Developer: [Ivan Hubar](https://appshunter.io/developer/1886899614)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.6 · 14 MB
- Languages: English, French, German, Polish, Spanish, Ukrainian
- Released: 2026-03-25
- Data updated: 2026-06-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/spendguard-expense-tracker/id6760932672/reviews.md

## What is SpendGuard?

Ever bought something you didn't need — and regretted it hours later? SpendGuard is the expense tracker that actually changes how you spend. Not just another logging tool. A spending coach.

IMPULSE GUARD — YOUR 48-HOUR SAFETY NET
Tempted by an impulse buy? Activate Impulse Guard and start a 48-hour cooling-off timer. If you still want it after two days, buy it with confidence. Most of the time, you'll realize you didn't need it at all. This one feature can save you hundreds every month.

STREAKS THAT BUILD REAL HABITS
Financial fitness works like physical fitness — consistency is everything. Track your daily spending streaks and build habits that stick. Hit milestones, maintain your streak, and watch your financial discipline grow day by day.

AI-POWERED SPENDING REVIEWS (PRO)
Your personal AI financial analyst reviews your spending patterns weekly. Get insights you'd miss on your own — from sneaky recurring charges to trends you didn't know you had. It's like having a smart friend who's great with money.

TRACK EVERY EXPENSE, EFFORTLESSLY
Quick-add expenses in seconds with a clean, intuitive interface. Automatic categorization keeps your spending organized. Beautiful charts and reports show exactly where your money goes — daily, weekly, and monthly.

13 CURRENCIES, ONE APP
Travel frequently or manage money across borders? SpendGuard supports 13 currencies with live conversion rates. The perfect companion for travelers, expats, and digital nomads.

DESIGNED FOR MINDFUL SPENDING
Built with SwiftUI for a native iOS experience, every interaction feels smooth, fast, and intentional. SpendGuard makes you pause and think before you spend — not just log transactions after the fact.

SpendGuard was built for people who want more than a spreadsheet — they want a spending coach. Whether you're saving for a goal, breaking bad habits, or simply wanting to know where your money goes, SpendGuard gives you the tools and discipline to take control.
Download SpendGuard and start spending smarter.

## Key features

- 48-hour impulse buy protection
- Daily spending streak tracking
- AI-powered spending reviews
- Effortless expense logging
- Multi-currency support (13 currencies)
- Visual spending reports

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SpendGoard Pro Monthly | $4.99 | per month |
| SpendGoard Pro Yearly | $24.99 | per year |
| SpendGoard Pro 3 Months | $9.99 | per 3 months |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/spendguard-expense-tracker/id6760932672/reviews.md

### 5/5 — That’s what I was looking for.

*2026-03-29*

To be honest, I’m just tired from all of these different apps that are so overwhelming. Back in the time I switched to iPhone because it is user friendly, quick and easy and this app gave me the same feeling. Everything is well organized and has all the features that I need.

## Frequently asked questions about SpendGuard

### Does SpendGuard have ads?

No, SpendGuard does not contain advertisements. It offers a clean, ad-free experience for users focused on managing their finances.

### What are the subscription options for SpendGuard Pro?

SpendGuard Pro offers monthly ($4.99), 3-month ($9.99), and yearly ($24.99) subscription plans, providing access to AI-powered spending reviews and other advanced features.

### How does SpendGuard's Impulse Guard feature work?

Impulse Guard acts as a 48-hour safety net for potential impulse purchases. It allows you to activate a timer, and if you still desire the item after two days, you can buy it with confidence, often realizing you didn't need it.

### What devices is SpendGuard available on?

SpendGuard is currently available on iPhone, leveraging SwiftUI for a native iOS experience.

### How often is SpendGuard updated?

The latest version of SpendGuard is 1.2.1, and it was last updated on May 29, 2026. Updates typically focus on improving features and user experience.

### Can SpendGuard track expenses in different currencies?

Yes, SpendGuard supports 13 different currencies with live conversion rates, making it ideal for travelers, expats, and digital nomads managing finances across borders.

### What is the age rating for SpendGuard?

SpendGuard has an age rating of 4+, making it suitable for a wide range of users interested in personal finance management.

### What makes SpendGuard different from other expense trackers?

SpendGuard focuses on being a 'spending coach' rather than just a logging tool. Features like the 48-hour Impulse Guard and AI-powered spending reviews aim to actively change user behavior and build financial discipline.

## Version history (last 5 releases)

### 1.2.1 — 2026-05-29

- Small bug fixes
- Add some tracking

### 1.2.0 — 2026-04-22

- Add budgeting per category
- Add transactions deduplication (alert)
- Improve AI Review
- Add category rotation
- Add category deletion

### 1.1.1 — 2026-04-06

- Add localization
- Fix bug with currency change
- Improve AI Page UI
- Fix cropping on chart when amount > 999$

### 1.1 — 2026-03-28

- Fix some UI bugs
- Add incomes
- Add budget for expenses
- Add some charts

### 1.0 — 2026-03-26

No release notes.

## More apps by Ivan Hubar

- [Phase: Fasting & Calorie AI](https://appshunter.io/ios/app/phase-fasting-and-calorie-ai/id6762522929)

All apps by Ivan Hubar: https://appshunter.io/developer/1886899614

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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 2026-06-27.*