# spnd:expense & budget tracker — Private, offline money manager

> Private, offline money manager (iPhone/iPad app by Emilio Yoltic Martinez.)

- Source: https://appshunter.io/ios/app/spndexpense-and-budget-tracker/id6795245277 (this page in markdown: same URL + `.md`)
- Developer: [Emilio Yoltic Martinez](https://appshunter.io/developer/1674223553)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.4 · 11 MB
- Languages: American English, French (France), German (Germany), European Spanish
- Released: 2026-08-12
- Data updated: 2026-08-24
- User reviews in markdown: https://appshunter.io/ios/app/spndexpense-and-budget-tracker/id6795245277/reviews.md

## What is spnd?

spnd is the personal finance app built for people who want clarity, not complexity.

No syncing to the cloud. No ads. No subscriptions required to see your own data. Just a clean, fast way to know exactly where your money goes  every day.

TRACK EVERYTHING
Log expenses, income, and transfers in seconds. Organize by category, account, and date. See your full financial picture at a glance from the home screen.

BUDGETING THAT WORKS
Set a monthly budget and spnd automatically breaks it down week by week. Always know how much you can spend today without blowing the month. Get notified before you go over  not after.

SAVE FOR WHAT MATTERS
Create savings goals for anything a trip, an emergency fund, a new laptop. spnd calculates exactly how much to set aside each week or month to get there on time.

ALL YOUR ACCOUNTS, ONE VIEW
Add checking, savings, credit, and cash accounts. Choose which ones count toward your main balance. See credit utilization, debt vs. limit, and net worth at a glance.

BUILD THE HABIT
A daily streak tracks every day you log a transaction. A configurable reminder keeps you consistent. Small actions, compounded daily, change your financial life.

PRIVATE BY DESIGN
Everything lives on your device. Your transactions, your accounts, your goals none of it touches our servers. Ever. Face ID and Touch ID keep your data yours, and only yours.

Built with SwiftUI for iOS 17+. Supports Dynamic Type, Dark Mode, widgets, and Shortcuts automation for power users.

spnd doesn't try to do everything. It does the things that matter  beautifully, privately, and without getting in your way.

Your finances, in order.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Spnd:Expense Tracker | $19.99 | per year |
| Spnd:Expense Tracker | $2.99 | per month |



## Version history (last 2 releases)

### 2.0 — 2026-08-21

Visual improvements and new features                                                                   
                                                                                                         
  Privacy Policy & Terms of Use                                                                          
  spnd now includes a full Privacy Policy and Terms of Use accessible directly from your profile. Your
  financial data has always been 100% local to your device — now it's formally documented.               
                                                                                                       
  Delete My Data                                                                                       
  New option under Profile → Privacy & Data to permanently erase all your information from the app. If   
  you have an active subscription, we'll remind you to cancel it from the App Store first.
                                                                                                         
  Improved Balance Evolution Chart                                                                     
  The chart now changes color based on the period's trend (green if your balance went up, red if it went 
  down), includes a Y-axis with reference values, and responds to touch — drag your finger across the
  chart to see the exact balance for any day.                                                            
                                                                                                       
  Habit Heatmap in History (Pro)                                                                         
  You can now see your logging streak directly in the History screen without leaving it. Tap "See full →"
   to open the full habit tracker.                                                                       
                                                                                                         
  Redesigned Streak Widget                                                                               
  The streak widget on Home now shows a mini 4-week heatmap alongside your consecutive days counter.     
                                                                                                       
  Improved PDF Export                                                                                    
  The PDF report has a new design featuring a black header, color-coded summary cards, category progress
  bars, and an alternating-row transaction table. Fully compatible with dark mode.

### 1.0 — 2026-08-12

No release notes.

## More apps by Emilio Yoltic Martinez

- [Password Locker](https://appshunter.io/ios/app/password-locker/id6445851547)
- [SoftLog:Habit & Personal Diary](https://appshunter.io/ios/app/softloghabit-and-personal-diary/id6766602810)

All apps by Emilio Yoltic Martinez: https://appshunter.io/developer/1674223553

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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 2026-08-24.*