SpendSmart AI

No-bank-login expense tracker for every device

4 followers

No-bank-login expense tracker for every device

4 followers

SpendSmart AI is an expense tracker that never asks for your bank login. Type or say what you spent and AI fills in the amount, category and date. It runs on iPhone, Android and any browser, on one account. Groups split a trip or a dinner, and friends see what they owe from a link, with no app and no account. Pro adds receipt scanning and is priced where you live: $2.99 a month in the US, ₹99 in India, £2.49 in the UK. Free has unlimited transactions and needs no card.

Free Options

Launch tags:Productivity•Fintech•Personal Finance

Launch Team / Built With

Framer AI AgentsDesign and publish professional sites with AI

Promoted

Maker

📌

Hi Product Hunt. I'm Heston, and I built this on my own. Every expense tracker I tried started by asking for my bank login. That's the part I couldn't get comfortable with, and it's also the part that breaks constantly. The connection drops, the categories are wrong anyway, and half the world's banks aren't supported at all. So I built the one that doesn't ask. You type "lunch 18 today", or you say it. It's on your phone and in any browser, on one account. Scanning a receipt is on Pro, which also lifts every free limit. Two things I put real time into that are easy to miss. Splitting with people who won't install your app. - This is where group expense apps quietly fall over. You share a link, and whoever owes you opens it and sees the balances and the shortest way to settle. They don't need an account and they don't need to install anything. On Pro you can scan the restaurant receipt, and each person ticks what they actually had from the same link. Pricing that isn't one US number converted badly. - It's $2.99 a month in the US and ₹99 in India, because those are different places. I'm in India, so the alternative was hard to ignore. It's built with Expo and Supabase, and it's local-first. Your ledger lives on your device and works offline, and it syncs to your account so the phone and the browser show the same numbers. Groups are the one part that needs a connection. The free tier is unlimited transactions, 12 months of history and three budgets, with no card. I'll be here all day, and I'd genuinely like to hear what breaks.

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1mo ago

This is one of the coolest apps I've used. I found the Group Feature the most useful. It's like Splitwise meets Less Complication. Although I haven't used the spending-tracking feature because I'm too lazy to note transactions daily, I have used the Group feature for one of our outings with friends. Easy to use and less complicated.

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1mo ago

Maker

@hefin_dsouza Really glad Groups held up on a real trip. That's exactly the "Splitwise without the complication" feel i was going for.

On the "too lazy to log daily" part: that's the exact problem i'm trying to solve. You don't need to type anything out. Just say "lunch 40" out loud, snap the receipt, or paste a quick line, and it gets filed for you. It takes about 5 seconds per expense. Give it one week and tell me honestly if it still feels like a chore.

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1mo ago

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