# SpendWise Expense Tracker — Budget, Loans & Bill Split

> Budget, Loans & Bill Split (iPhone/iPad app by Emstell.)

- Source: https://appshunter.io/ios/app/spendwise-expense-tracker/id6771671094 (this page in markdown: same URL + `.md`)
- Developer: [Emstell](https://appshunter.io/developer/783040897)
- Category: Productivity, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 59 MB
- Languages: American English
- Released: 2026-08-17
- Data updated: 2026-09-14
- User reviews in markdown: https://appshunter.io/ios/app/spendwise-expense-tracker/id6771671094/reviews.md

## What is SpendWise Expense Tracker?

Take control of your personal finances with SpendWise — the ultimate offline-first, subscription-free expense and loan tracker.

No signups, no accounts, no data sharing. SpendWise runs 100% locally on your device, so your financial data stays completely private and secure.

LOG EXPENSES IN 3 SECONDS FLAT
Forget complex forms. Tap, enter the amount, select a category, and save. Tracking daily spending has never been this simple or fast.

VISUAL INSIGHTS & BEAUTIFUL CHARTS
See exactly where your money goes. SpendWise compiles your transactions into clean, intuitive charts. View spending by category, track daily trends, and analyze your habits month-over-month.

SMART BUDGETING & ALERT SYSTEM
Set custom budgets for overall spending or apply limits to specific categories (Food, Entertainment, Shopping). With visual progress bars and alerts at 50%, 80%, and 100% of your budget, you'll never be caught off guard.

TRACK LOANS & SHARED SPLITS
• Loans Given & Taken — never lose track of who owes you or who you owe. Set expected return dates and track settlement status.
• Bill Splitting — divide dinner bills, rent, or group trip expenses with up to 4 people, and keep tabs on unsettled shares.

100% PRIVATE AND SECURE
Your financial data belongs to you, not a server. SpendWise never uploads your transactions or credentials anywhere.

PORTABILITY AND BACKUPS
Export your entire log to CSV or PDF for accounting. Moving to a new phone? Just paste your CSV backup text to import your data in seconds.

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UPGRADE TO SPENDWISE PRO (ONE-TIME PURCHASE)
Get lifetime access to the full power of SpendWise. No monthly subscriptions, no recurring fees.
• Unlimited expense logging (free plan includes up to 30/month)
• Advanced loans tracker with return dates
• Shared expenses & bill splits, settle up easily
• Automatic recurring transactions
• Full CSV/PDF export & CSV import
• Customizable categories & home screen widgets
• Smart budget alerts (50%, 80%, 100% notifications)
• Multi-currency support & zero ads

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Simplify your spending, track your loans, and reach your savings goals. Download SpendWise today!

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| SpendWise Pro | $4.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-08-17

No release notes.

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All apps by Emstell: https://appshunter.io/developer/783040897

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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 2026-09-14.*