Spendcast is the AI-powered budgeting app that never sees your data. Every penny stays on your device — no bank logins, no servers, no compromises.
Not "we promise not to look." Not "encrypted at rest." Architecturally impossible for anyone — including us — to access your financial data.
No residual data on servers. No account to deactivate. No data broker to contact. Because there is no server, there is no data to leak, sell, or subpoena.
All data lives in Apple SwiftData on your iPhone. We have zero infrastructure to collect, store, or process your information.
No Plaid. No MX. No third-party data aggregators scraping your accounts and reselling anonymized data.
All 8 AI engines process entirely on-device using Apple's Core ML. Zero API calls. Your spending patterns never leave your phone.
If you choose to back up, it's encrypted by Apple and stored in your personal iCloud — not on our servers (we don't have any).
More features than apps costing twice as much — with the privacy guarantee none of them can offer.
Know exactly how much you can spend each day until your next payday. Updated in real-time as you log transactions.
Track spending by category with beautiful color-coded progress bars. Set weekly, monthly, or custom period budgets.
Visual monthly grid shows when every bill is due. Never miss a payment or get surprised by a charge again.
Auto-log recurring bills and income. Set frequency, amount, and category — Spendcast handles the rest automatically.
Track progress toward vacation, emergency fund, or any target with visual progress and milestone celebrations.
Snowball or Avalanche strategies with an interactive extra-payment slider. Watch your debt-free date move in real time.
Gamified motivation from "First Step" to "Centurion" (100-day streak). Build habits that stick.
See your full financial picture — assets vs. liabilities — with historical trends that show your progress.
Tag accounts as Mine, Partner, or Joint. Manage shared finances while keeping individual spending private.
Four fast ways to capture every transaction. 90+ auto-categorization rules that learn from your habits.
Quick, clean form. Tap amount, pick category, done. Under 5 seconds.
Snap a photo. OCR extracts merchant, amount, and date automatically.
Scan product barcodes for instant logging with product details pre-filled.
"Spent $12 at Starbucks." Natural language processing handles the rest.
All intelligence runs on-device using Apple Core ML. Your spending patterns never leave your phone.
Simulate cutting categories or boosting income. See 12-month projections instantly.
See where your month is heading before it gets there, based on your patterns.
Get flagged on unusual charges, potential duplicates, and spending spikes.
Find forgotten subscriptions costing you money. See the real annual cost.
Get graded A–F across 5 components. Know exactly where to improve.
Project future balances based on recurring income, bills, and spending trends.
Every major budgeting app costs $72–$168/year. Spendcast undercuts them all.
Full-featured budgeting built for iOS 17+
Quick-log transactions from your wrist
Home & Lock Screen. Budget at a glance.
"Hey Siri, log an expense in Spendcast"
Download Spendcast free on the App Store. No account required. No bank login. Just budget.