# Spensei: Spending Tracker — Every tap, explained > AI financial coach for tracking spending, savings, and net worth. (iPhone/iPad app by Husein Mokbel.) - Source: https://appshunter.io/ios/app/spensei-spending-tracker/id6779638296 (this page in markdown: same URL + `.md`) - Developer: [Husein Mokbel](https://appshunter.io/developer/1881108661) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 17+ - Requires: iOS 17.0 · 29 MB - Languages: American English - Released: 2026-07-05 - Data updated: 2026-10-25 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/spensei-spending-tracker/id6779638296/reviews.md ## What is Spensei? Spensei logs every Apple Pay purchase seconds after you pay and tells you what is safe to spend today. No bank login, and your purchases are stored on your iPhone, not on our servers. HOW IT WORKS Set up one Shortcuts automation, once, with the steps in the app. From then on every Apple Pay tap lands in Spensei on its own, sorted into a category, with a short note on your screen. WHAT YOU GET • Left today: your monthly limit, or your pay minus your bills, turned into one number for today. Tap it to see exactly how it is worked out. • A note the moment you pay, with the amount, the category and what is left today. • Belts for days on track. Close enough still counts, and a belt is never taken away. • A morning note with how yesterday went. • Habits that add up, like a coffee run that costs more a year than you would guess. • Your month in review on the 1st. • Subscriptions, with a reminder before each renewal and before a free trial ends. • A heads up when a shop charges you twice, while you can still ask for it back. • Goals: save toward something, or keep the month under a number. • Home screen widgets. • Add a purchase by hand for cash, debit or anything Apple Pay does not see. ASK ABOUT YOUR MONEY Ask in plain words and get answers worked out from your own numbers: the figures are calculated first, then explained. The chat is optional and asks before it sends anything. PRIVATE BY DESIGN Apple Pay purchases are kept on your iPhone. Spensei never sees your card number and never asks for a bank login. Connecting a bank through Plaid is optional and in beta. SPENSEI PRO Tracking, the daily number and everything on the Spending page are free. Spensei Pro adds more from the chat: 30 answers a day instead of 30 a week, 15 advanced answers a day, and photos and PDFs. Monthly or yearly, with a 7 day free trial. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Spensei is a spending coach, not a financial adviser. Its answers are general information, not professional advice. Privacy Policy: https://hmokbel.github.io/spensei/#privacy Terms of Use: https://hmokbel.github.io/spensei/#terms ## Key features - AI money coaching - Automatic spending tracking - Subscription and bill identification - Net worth overview - Personalized savings insights - Secure bank connection ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Spensei Pro | $9.99 | per month | | Nolan Pro | $69.99 | per year | ## Is Spensei safe? Not enough ratings yet to assess Spensei. ## Is Spensei legit? Spensei: Spending Tracker has limited verification signals. The AppsHunter Legitimacy Score for Spensei is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 12) All indexed reviews: https://appshunter.io/ios/app/spensei-spending-tracker/id6779638296/reviews.md ### 5/5 — LOVE IT *2026-10-19* I’ve been using this app for a while now, and it’s really opened my eyes to how my spendings actually look like. I thought I knew everything about my spendings, this just unlocked a whole new way for me to save more!! ### 5/5 — Financing *2026-07-18* Helped me organize my finances and connected to personal banking ### 5/5 — Fantastic App *2026-07-16* This helped me a lot!!! ### 5/5 — Simple yet Efficient *2026-07-14* This app makes learning about financial literacy and managing payments super easy for those on the go, but need something to keep in track of their spending habits! Exactly what I was looking, with so many different apps on the market, this one does the manual and tedious tasks for you without you having to think twice. ### 5/5 — Nice app *2026-07-12* Clean, modern, easy ### 5/5 — Amazing AI Budgeting App *2026-07-11* The built-in AI is incredibly helpful, and the app makes budgeting, tracking spending, and saving money simple and stress-free. ### 5/5 — Great functionality *2026-07-11* Impressive layout & design. Works smoothly. The budgeting process works as intended. ### 5/5 — Budgetting *2026-07-11* Helped me get a better understanding of my finances and work towards my financial goals ### 5/5 — optimal for first-time investors *2026-07-08* very easy to use and understand how to invest. also like the feature of connecting to ur own personal bank to manage finances. recommend ### 5/5 — Just Amazing *2026-07-07* Finally an app that lets me track all my expenses in one place! This is huge because I’m managing many different credit cards and corporation accounts! Thank you for this, it’s an absolute game changer to log into one app at the end of the day and figure things out. Great job and keep up the good effort ## Frequently asked questions about Spensei ### What is Nolan's core function? Nolan acts as an AI money coach, providing instant, trustworthy answers about your spending, savings, debt, and net worth based on your connected financial data. ### How does Nolan track spending? Nolan automatically organizes your real bank transactions into clear categories with simple charts, eliminating the need for manual entry. It also identifies subscriptions and recurring bills. ### Is Nolan safe to use with my bank accounts? Yes, Nolan uses Plaid for secure, read-only bank connections. Your data powers the app and is never sold or used for ads. You can disconnect your bank and delete your data anytime. ### What are the differences between the free and Pro versions of Nolan? The free version offers a limited number of messages weekly. Nolan Pro unlocks daily coaching with significantly more usage and is built on your real financial numbers. ### How much does Nolan Pro cost? Nolan Pro starts with a 7-day free trial. Current prices for your region are displayed within the app before you commit to a purchase. ### How do I cancel my Nolan Pro subscription? Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. You can manage or cancel your subscription anytime through your App Store settings. ### What regions does Nolan support? Nolan is built for users in Canada and the United States, connecting to banks and credit unions in both countries. ### How often is Nolan updated? The latest version of Nolan is 1.3, and it was last updated on July 18, 2026. This indicates a relatively active development cycle. ## Version history (last 5 releases) ### 1.5 — 2026-10-17 Every Apple Pay purchase can now land in Spensei on its own. Set up one Shortcuts automation, once, and each purchase shows up seconds after you pay. No bank login needed. Also new: • Left today: your monthly limit, or your pay minus your bills, as one number for today, on the page and in a home screen widget. • Belts you earn by staying on track, day after day. A day with nothing tracked never counts against you. • A morning note with how yesterday went. • Subscriptions, with a reminder before each renewal and before a free trial ends. • A heads up when a shop charges the same amount twice, or far more than usual. • Look back at past months and see how each one added up. • Text follows the size you set on your iPhone, including the larger accessibility sizes. • Better sorting for Canadian shops and restaurants. Connecting a bank is still optional. ### 1.4 — 2026-07-28 Nolan's biggest upgrade yet. WORKS WITH OR WITHOUT A BANK: tell Nolan your income, expenses, debts, and goals in plain conversation. It saves them, shows them in Settings, and uses them in every answer. Connecting a bank is optional. REAL RESEARCH: ask about ETFs, stocks, or career moves. Nolan checks current sources and tells you how recent the information is. REMEMBERS AND CORRECTS: fix a mislabeled transaction once and it stays fixed. Update your salary and every answer updates with it. SHARPER ACCOUNTING: ask about any date range, compare periods, and get honest ranges when your inputs are estimates. Plus a smoother, faster chat and many accuracy improvements. ### 1.3 — 2026-07-18 Nolan 1.3 makes your numbers easier to trust and Nolan clearer to talk to. • Tap Safe to Spend to see exactly how it is calculated: income in, spending so far, and the bills still expected before month end • Tap any spending category, bill, or income line and Nolan breaks it down for you • When Nolan is unsure about a recurring charge, one tap sets it straight and Nolan remembers it for good • Corrections and profile edits now update everywhere in the app right away, so answers stay accurate • Nolan now looks up current figures like contribution limits when a question needs today's numbers • Calmer, steadier text while Nolan writes • Accuracy improvements throughout ### 1.2 — 2026-07-15 Nolan 1.2 makes daily money checks faster and every bump easier to recover from. • Safe to spend now sits right above the chat and updates as your month moves • A new bills vs balance guard warns you when upcoming charges look larger than what is in checking • If a bank connection fails or is still syncing, Nolan explains what happened and offers a clear next step: retry, import a statement, or continue while Nolan watches for recovery • Answers keep streaming if you leave the app, ready when you come back • Smoother streaming, safer deletion, and stability improvements throughout • Added dark mode ### 1.1 — 2026-07-11 Nolan just got a lot smarter. - Attach PDFs, statements, receipts, and CSV files and Nolan reads them like an accountant - Multiple chats: start fresh threads and switch anytime - Deeper reasoning on hard money questions - Smarter insights: possible double charges, upcoming bills, income dips, and fee alerts - Optional alerts for bills due and unusual charges - A cleaner Bank page with your net worth at a glance - A doubled free plan, refreshed every week - Speed and accuracy improvements across the board ## Apps similar to Spensei | App | Rating | Price | Category | | --- | --- | --- | --- | | [Wealth Path: Net Worth Tracker](https://appshunter.io/ios/app/wealth-path-net-worth-tracker/id6754247918) | — | Free | Finance | | [Bagging: Receipts & Expenses](https://appshunter.io/ios/app/bagging-receipts-and-expenses/id6784537578) | — | Free | Finance | | [LiveSpend: Card Spend Tracker](https://appshunter.io/ios/app/livespend-card-spend-tracker/id6768413245) | — | Free | Finance | | [Shelter: Payday Budget Planner](https://appshunter.io/ios/app/shelter-payday-budget-planner/id6759623578) | 5.0 (1) | Free | Finance | | [Bento: Budget & Money Tracker](https://appshunter.io/ios/app/bento-budget-and-money-tracker/id6754046684) | 4.0 (4) | Free | Finance | | [FinPulse](https://appshunter.io/ios/app/finpulse/id6759535558) | — | Free | Finance | ## More apps by Husein Mokbel - [WordHaven: Word Puzzle Creator](https://appshunter.io/ios/app/wordhaven-word-puzzle-creator/id6759842882) All apps by Husein Mokbel: https://appshunter.io/developer/1881108661 ## Related topics [free spending tracker for personal use](https://appshunter.io/ios/topics/free-spending-tracker-for-personal-use) · [cnn money](https://appshunter.io/ios/topics/cnn-money) --- *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 2026-10-25.*