# The Smart Budget — Private AI Expense Tracker

> Private, on-device AI expense tracker for automated spending logs and insights. (iPhone/iPad app by Omar Al Homaidi.)

- Source: https://appshunter.io/ios/app/the-smart-budget/id6769003758 (this page in markdown: same URL + `.md`)
- Developer: [Omar Al Homaidi](https://appshunter.io/developer/1498325461)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.4 · 13 MB
- Languages: American English, Arabic, French (France), Italian, European Spanish
- Released: 2026-07-24
- Data updated: 2026-08-10
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/the-smart-budget/id6769003758/reviews.md

## What is The Smart Budget?

The Smart Budget does the work for you. Set it up once and your spending logs itself — captured, cleaned up, categorized, and checked for anything odd, all on your iPhone. You open the app to review, not to type. Private, on-device, built on Apple Intelligence — and free to start.

Smart Budget reads the merchant, amount, currency, and date on-device, cleans up the messy bank text, picks the right category, and quietly flags anything unusual. No bank login. Nothing leaves your phone. Prefer to add one by hand? Log it in seconds, snap a receipt, or say it out loud.

Everything stays on your iPhone. No accounts to create. No bank-linking required. No data sold or shared. iCloud sync is optional and runs through your own Apple ID — we never see it.

— FREE FOREVER —
• Hands-off capture — set up an iOS Automation and your bank texts log themselves
• Automatic cleanup + categorization — messy bank merchant strings become clean, sorted entries
• Anomaly detection — the Notable card flags spending that doesn't match your patterns
• Add transactions by hand too — type in seconds, dictate, or snap a receipt
• Unlimited transactions, budgets, goals, and incomes
• Dashboard with "available this month" hero
• "Tell it once, learn forever" merchant aliases — name a merchant once, it's applied forever
• Reports: Spending by category, Income vs spending, All transactions, Anomalies & alerts
• Lock Screen + Home Screen widgets
• Spotlight search for any transaction
• Siri Shortcuts for quick logging
• Multi-currency with automatic FX conversion
• Light + dark mode (warm Bronze Prosperity palette)
• Full VoiceOver, WCAG AA contrast

— SMART BUDGET PRO —
The intelligence layer, optional, shareable with your family:
• Smart Insights — LLM-narrated story cards on the Insights tab: looking-ahead pace forecasts, goal coaching, category-mix shift detection, recurring-charge audit, what-if scenarios, savings opportunities, period summaries
• All Reports — Top merchants, Largest transactions, Recurring charges, Merchant frequency, Budget history, Goal progress, Savings, By account, Year in review, plus per-member household reports
• Household Sharing — invite a partner; share budgets, goals, and reports through a private CloudKit Share you control

Pro pricing:
• Monthly: $2.99
• Yearly: $24.99 (3 months free vs paying monthly)
• Lifetime: $49.99 (one-time payment, never expires)

All Pro tiers support Apple Family Sharing — one purchase covers up to six family members at no extra cost. Cancel a subscription anytime in iOS Settings → Apple ID → Subscriptions.

— PRIVACY —
The Smart Budget runs on Apple's on-device Foundation Models. Nothing you log — no transaction, no merchant name, no amount — leaves your device. No analytics SDKs. No advertising trackers. No accounts to sign up for. Read the full privacy policy at zaatarlabs.com/privacy-policy.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: zaatarlabs.com/privacy-policy

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Smart Budget Pro — Monthly | $2.99 | per month |
| Smart Budget Pro - Yearly | $24.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Smart Budget Pro — Lifetime | $49.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/the-smart-budget/id6769003758/reviews.md

### 5/5 — Best app to track expenses and save money

*2026-08-08*

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

## Frequently asked questions about The Smart Budget

### 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.

## Version history (last 4 releases)

### 1.1 — 2026-08-06

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.

### 1.0.2 — 2026-07-26

Fixes a crash that could occur when deleting a transaction — thank you to everyone who reported it.

Also new: press and hold any transaction to Delete it or Exclude it from your budget, right from the list.

### 1.0.1 — 2026-07-25

Thanks for the launch-week reports — this update is all fixes:

• Fixed a crash when deleting a transaction
• Fixed a crash when adjusting budgets during onboarding
• Reviewing a transaction now reliably clears it from the review queue
• Manually added transactions log as spending right away — no more review detour
• Budgets can now be deleted entirely, including their category
• Past-month view now displays correctly
• The month picker on the dashboard responds on the first tap
• Clearer one-time / recurring labels

### 1.0 — 2026-07-24

No release notes.

## More apps by Omar Al Homaidi

- [The Smart Hand Calculator](https://appshunter.io/ios/app/the-smart-hand-calculator/id1459755183)
- [The Smart Trix Calculator](https://appshunter.io/ios/app/the-smart-trix-calculator/id1460783125)
- [The Smart Dentist](https://appshunter.io/ios/app/the-smart-dentist/id1504745286)
- [The Smart Coach](https://appshunter.io/ios/app/the-smart-coach/id1553041442)
- [roCARD](https://appshunter.io/ios/app/rocard/id1559421577)
- [The Smart Billing](https://appshunter.io/ios/app/the-smart-billing/id1561527373)

All apps by Omar Al Homaidi: https://appshunter.io/developer/1498325461

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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 2026-08-10.*