Spend Smartly

Your finances stay on your device. Period.

Spend Smartly is a personal budget tracker that never sends your data anywhere. No cloud sync, no account sign-up, no ads. Import your bank statements and see exactly where your money goes.

Envelope Budgeting Give every dollar a job. Create envelopes for each spending category, allocate your income, and track spending against your plan.

Import From Any Bank Drop in a CSV or PDF statement from Chase, Amex, Wells Fargo, Citi, Bank of America, and more. Transactions are automatically categorized across 16 categories.

Recurring Charge Detection Automatically finds your subscriptions and recurring bills. See your true monthly commitments at a glance.

Free to start. Pay once to unlock. Try Spend Smartly free. Unlock unlimited sources for a one-time purchase of $9.99. No subscriptions.

Why no subscription? Your data never touches our servers, so we have no server costs to pass on to you. Pay once, own forever.