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