Optiexpense

Track every dollar without giving up your privacy. No subscription. Your money data stays yours — on your iPhone, backed up privately to your own iCloud.

Optiexpense — Private Finance

Know exactly how much you can spend today. Optiexpense calculates your safe-to-spend number in real time: your income, minus upcoming bills, minus debt payments, minus a safety buffer. No guessing. No spreadsheets.

Automatic capture, zero effort Bank SMS alert? Optiexpense captures it automatically via the on-device message filter. Email receipt? Connect Gmail and it's captured for you. Paper receipt? Point your camera. Quick-add anything else in two taps.

Completely private — no exceptions The AI that reads your transactions, categorizes your spending, and generates weekly insights runs as a local CoreML model — no internet connection required, ever. Your data never touches our servers because we don't have any. Your daily backup goes only to your own private iCloud, which even we cannot read. Enhanced AI extraction uses Apple Intelligence on iPhone 15 Pro and newer; full functionality on all supported iPhones.

Smart bills and debt tracking Optiexpense learns your recurring bills from your transaction history and calendar, then factors them into your safe-to-spend before you accidentally spend money you don't have. Track debts the same way — log the balance, set a monthly payment, and watch it count down.

Weekly digest and spending analytics A plain-language summary of your week, written by an on-device AI that has actually read your transactions. Spending breakdowns by category, week-over-week trends, and a tax-category summary — all filtered by week, month, 90 days, or all time.

Siri and Shortcuts built in Log a transaction with your voice. Check your safe-to-spend from the Lock Screen widget. Set a Focus filter so Optiexpense goes quiet when you're off work.

One price. Forever. Buy once. No subscription. No "premium" tier. Every feature, every update, included.