Best app to track expenses and save money
I tried lots of these but this one does everything on its own and I now know where my money goes and I can control better my expenses and save money every month
Free
In-App Purchases
About
Effortlessly track your spending with an AI-powered expense logger that works entirely on your device. It automatically captures, cleans, and categorizes transactions from your bank texts, flagging anything unusual without needing bank logins. Log manually, snap receipts, or use voice commands for a private, secure financial overview.
✓Automatic expense capture from bank texts
✓On-device AI for data cleaning and categorization
✓Anomaly detection for unusual spending
✓Manual transaction logging with receipt snapping
✓Unlimited transactions, budgets, and goals
✓Smart Insights with AI-narrated forecasts
✓Household sharing with family
Show original description
+1
What's New in The Smart Budget
1.1
August 6, 2026
Smart Budget now speaks Arabic, Italian, French, and Spanish - switch languages right inside the app. Set your own exchange-rate overrides per currency for spot-on multi-currency totals. Rename merchants once and the app learns it for future transactions. Faster inline editing, plus bug fixes including an amount display fix.
MoreSubscription plans
Smart Budget Pro — Monthly
Smart insights, household sharing ++. Cancel anytime.
$2.991 Month
1
In-App Purchases
$49.99
Smart Budget Pro — Lifetime
All The Features. One-time purchase. Never expires.
User reviews
Developer apps
FAQ
Does The Smart Budget have ads?
No, The Smart Budget is ad-free. The app explicitly states it has no advertising trackers and no analytics SDKs, ensuring a clean user experience.
How much does The Smart Budget cost?
The Smart Budget is free to start with unlimited transactions, budgets, and goals. An optional 'Smart Budget Pro' subscription offers advanced AI insights and household sharing, with monthly, yearly, and lifetime purchase options.
What are the Pro subscription tiers for The Smart Budget?
The Smart Budget Pro offers monthly ($2.99), yearly ($24.99), and lifetime ($49.99) subscription plans. All Pro tiers support Apple Family Sharing for up to six family members.
How secure is The Smart Budget?
The Smart Budget prioritizes privacy by processing all financial data on-device using Apple's AI. No bank logins are required, and no transaction data leaves your phone. iCloud sync is optional and uses your Apple ID.
Can I use The Smart Budget on multiple Apple devices?
The Smart Budget is currently supported on iPhone. iCloud sync is optional and runs through your Apple ID, allowing for data synchronization across your devices if enabled.
How often is The Smart Budget updated?
The Smart Budget was last updated on August 6, 2026, indicating a commitment to regular improvements and maintenance. The latest version is 1.1.
What is the age rating for The Smart Budget?
The Smart Budget has an age rating of 4+, making it suitable for a wide range of users. It is designed for personal finance management.
How do I cancel my Smart Budget Pro subscription?
You can cancel your Smart Budget Pro subscription anytime through your iOS Settings. Navigate to Apple ID → Subscriptions to manage your subscription preferences.