Spendcast

The only budgeting app that never sees your data. AI insights, receipt scanning, voice logging, and debt payoff — all for $59.99/year.

Spendcast is the privacy-first budgeting app that never sees your data. Every penny you track stays on your device -- no cloud servers, no bank logins, no third-party data sharing. Ever.

SMART BUDGETING, ZERO COMPROMISE

• Safe-to-Spend: Know exactly how much you can spend each day until payday
• Unlimited Budgets: Track spending by category with color-coded progress bars
• Bill Calendar: Visual monthly grid shows when every bill is due
• Recurring Rules: Auto-log bills and income so you never miss a payment

LOG TRANSACTIONS YOUR WAY

• Manual Entry: Quick, clean transaction logging
• Receipt Scanner: Snap a photo and let OCR extract the merchant, amount, and date
• Barcode Scanner: Scan product barcodes for instant logging
• Voice Logging: Just say "spent $12 at Starbucks" and Spendcast handles the rest
• Quick Categories: 19 built-in categories with 90+ auto-categorization rules that learn from you

AI-POWERED INSIGHTS

• AI Chat Assistant: Ask questions about your spending in plain English -- all processed on-device
• What-If Planner: Simulate cutting categories or boosting income and see 12-month projections
• Spending Predictions: See where your month is heading before it gets there
• Anomaly Detection: Get alerted to unusual charges and potential duplicates
• Subscription Tracker: Find forgotten subscriptions costing you money
• Financial Health Score: Get graded A-F across 5 financial health components

REACH YOUR GOALS

• Savings Goals: Track progress toward vacation, emergency fund, or any target
• Debt Payoff Engine: Snowball or Avalanche strategies with interactive extra-payment slider
• 15 Achievements: Gamified motivation from "First Step" to "Centurion" (100-day streak)
• Net Worth Tracking: See your full financial picture -- assets vs. liabilities

WORKS EVERYWHERE

• Home Screen Widgets: Glance at safe-to-spend, streaks, and budget progress
• Lock Screen Widgets: Key numbers always visible
• Apple Watch App: Quick-log transactions from your wrist
• Siri Shortcuts: "Hey Siri, log an expense in Spendcast"
• iCloud Backup: Optional encrypted backup to iCloud

COUPLES MODE

Tag accounts as Mine, Partner, or Joint to manage shared finances while keeping individual spending private.

YOUR DATA, YOUR RULES

• 100% on-device storage (Apple SwiftData)
• Zero cloud servers
• Zero bank credential requests
• AI runs locally -- no API calls
• CSV export for full data portability
• Delete the app = delete all data. Permanently.

Spendcast Premium unlocks unlimited budgets, AI Chat, What-If Planner, Debt Payoff, receipt scanning, and more for just $59.99/year -- the lowest premium price in the category.

Terms of Use: https://spendcastapp.com/terms.html Privacy Policy: https://spendcastapp.com/privacy.html