# SpendSmartAI - Expense Tracker — No-bank-login expense tracker

> No-bank-login expense tracker (iPhone/iPad app by Heston Dsouza.)

- Source: https://appshunter.io/ios/app/spendsmartai-expense-tracker/id6778456244 (this page in markdown: same URL + `.md`)
- Developer: [Heston Dsouza](https://appshunter.io/developer/1889164237)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 16.4 · 44 MB
- Languages: American English
- Released: 2026-07-14
- Data updated: 2026-08-05
- User reviews in markdown: https://appshunter.io/ios/app/spendsmartai-expense-tracker/id6778456244/reviews.md

## What is SpendSmartAI?

SpendSmart AI is the expense tracker that does the typing for you. Write "coffee 5" or just say it out loud, and it works out the amount and category for you and stamps today's date. Snap a receipt and it fills itself in (Pro). There's no bank login, which means no forms to wade through and no accounts to connect.

Three ways to add an expense

• Type it. "lunch 14" and it's categorized.
• Say it. Hands-free voice entry.
• Scan it. Photograph a receipt and the details fill themselves in (Pro).

Works across your devices

iPhone, iPad, and web, always in sync. Start on your phone in the coffee line and finish on your laptop that night. Most expense trackers lock you to one device. This one goes where you go.

What you get for free

• Unlimited manual expense tracking
• Monthly AI smart-entries to try
• Voice entry
• 12 months of history
• Budgets and insights
• Fully offline

What Pro adds

• Unlimited AI entry, voice, and receipt scanning
• Receipt scan that snaps and auto-fills
• Unlimited history
• A monthly AI breakdown of where your money went
• Recurring expenses
• PDF and CSV export

No bank login. Ever.

We never connect to your bank. No Plaid, no aggregators, no account access. You can export or delete everything whenever you want. It's real budgeting without handing over your banking credentials.

Fair pricing for where you live

Pro is priced for your country, so you're not paying one flat US price for the whole world.

Whether you're a freelancer, a frequent traveler, or you just want to see where the money goes, download it free and start tracking in seconds.

Terms of Use (EULA): https://spendsmartai.online/terms
Privacy Policy: https://spendsmartai.online/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SpendSmart AI Pro – Monthly | $2.99 | per month |
| SpendSmart AI Pro – Annual | $25.99 | per year |



## Version history (last 3 releases)

### 1.0.4 — 2026-08-04

• Siri Voice entries can now save automatically when the details are clear.
• Fixed converted-currency totals and the monthly entry count after edits.
• More reliable sync with fewer spurious error flags.
• Wording polish and stability improvements.

### 1.0.3 — 2026-07-15

General performance and stability improvements.

### 1.0.2 — 2026-07-14

No release notes.

## More apps by Heston Dsouza

- [NoteScribeAI](https://appshunter.io/ios/app/notescribeai/id6761369595)

All apps by Heston Dsouza: https://appshunter.io/developer/1889164237

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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 2026-08-05.*