Smart Spend is not a traditional budgeting app. Our purpose is to help you save money by teaching you about your spending habits. We don't ask to connect to any of your accounts or automate anything, because learning about your spending requires active participation. We crunch the numbers to help you identify patterns in your spending and places you can save more. We don't tell you how to spend money. Instead, we show you how your spending habits affect your financial health.

Use Smart Spend to 
1) Track your spending and expenses
2) Track your saving
3) Simulate how specific financial situations/changes affect your finances
4) Understand how your spending choices affect your finances

After a few days of tracking your spending, you'll be able to start playing Spending Trivia, which is a fun internal trivia game that keeps you educated about your spending. Performing well on Spending Trivia demonstrates that you understand your spending and increases your 'Smart Score', which helps to unlock additional app functionality.

Within a few days of starting Smart Spend, you will notice your spending habits begin to change. You'll start to internalize the costs of your everyday purchases. In a few weeks, you'll be cutting excessive spending and saving more than you ever thought possible!

APP FEATURES:
~ Get a reality check of how much your purchases really cost-- in your own terms
~ See how much money you can save in the long run by cutting certain purchases
~ Analyze your spending in new ways with powerful search/filter capabilities
~ Special mode for users who only have a small amount of money until pay
~ We're one of the few apps that offer a solution for users who make non-regular income-- the 'Cash Pool' offers a new way to integrate your regular income with your more unpredictable income
~ Add annual expenses, not just monthly expenses!
~ We track how much your saving, not just how much you're spending!
~ Play Spending Trivia to learn about your spending habits!
~ Widgets for iOS 14+ users
~ Use Siri to enter your purchases
~ Import purchases from .csv files produced by your bank and other budgeting apps
~ Earn trophies as your spending habits get better
~ Customizable daily spending notifications sent each evening
~ Select from a variety of common currencies
~ Earn points as you learn about your spending habits
~ Set temporary 'MicroBudgets' to challenge yourself

We've optimized the app over time to fit the needs of many unique financial situations that are often overlooked by other apps, including
~ Only a small amount of funds available now --> 'First Mile' Mode
~ Lack of steady funds and non-recurring payments --> 'Cash Pool'
~ Situations where you want to set your own spending budget (ie vacation/corporate travel) --> Cash Pool/MicroBudget Mode

Privacy and Philosophy: We pride ourselves on keeping your personal data on your device! We don’t ask for email, last name, bank account login. Our budgeting mindset is old school and effective because YOU simply have to put in the work. You can’t gain muscle without exercise. Developing better spending habits requires practice and repetition. You put in the elbow grease and we’ll use technology, psychology and economics to help you meet your goals.

Privacy Policy: https://smartspendapp.com/privacy
User Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/