SpendSmart: Budget & Goals
Budget Together, Save Smarter
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Take control of your money. Track expenses, set budgets, and hit savings goals - together with your partner or on your own.
SpendSmart is the budgeting app built for couples and individuals who want a clear picture of where their money goes - and a plan to save more of it.
Dashboard at a Glance
See your monthly income, total spending, and top spending categories the moment you open the app. Your partner's spending is shown alongside yours so nothing slips through the cracks.
Smart Budgets
Create category budgets with custom emojis and colors. SpendSmart tracks spending in real time and warns you before you go over — with a configurable warning threshold so you decide when to be alerted.
Savings Goals
Set savings targets for anything — a holiday, a new car, an emergency fund. Log contributions and watch your progress bar climb toward the finish line.
Household Sharing
Invite your partner with a simple join code. Once connected, all transactions, budgets, and goals sync between both of you automatically. See exactly how much each person has spent this month, side by side.
Financial Reports
Review your finances across any time range: this month, last month, the last 3 months, or the full year. Export a detailed PDF report and share it instantly — great for budgeting conversations or tax prep.
Gamification
Earn XP and unlock badges as you build better money habits. Level up your financial wellbeing and see your achievements on your profile.
Works Offline
Add transactions, update budgets, and log contributions even without an internet connection. SpendSmart syncs everything to the cloud automatically when you're back online.
Designed for Dark Mode
A sleek dark-first design that's easy on your eyes at any time of day.
Supports Multiple Currencies
Choose your preferred currency and see all amounts displayed correctly throughout the app.
Whether you're budgeting solo or managing finances as a couple, SpendSmart gives you the clarity and tools to spend wisely and save confidently.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- Split expenses with your partner — mark any expense as shared, set a custom split ratio, and track who owes whom on the home screen. Settle up in one tap.
- Subscription tracker — see all your recurring bills in one place with colour-coded renewal dates and a monthly total. Get a reminder 3 days before anything renews.
- Recurring transactions — set up rent, salary, subscriptions, or anything that repeats and the app logs them automatically on schedule.
- Month-over-month comparison — the Reports tab now shows how your spending by category compares to last month, with a at-a-glance percentage change.
- Custom currency symbol — use any symbol for your currency, not just the built-in presets.
Bug fixes and performance improvements
The developer, Ricky Chiew, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ricky Chiew
- Size
- 33.6 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Ricky Chiew