01
Spending Overview
See the strongest spending categories for the selected period, shown as bar-style charts that are easy to scan.
Personal finance for real life
See where your money goes without turning your life into a spreadsheet.
SmartBudget Insights gives your spending a calm place to land. Add expenses, organize them into categories, set budgets, and let clear insights show what deserves attention.
Manual expensesApple Pay ShortcutsBank statement import
The core idea
Bring spending in. Give it a category. Understand the month.
Bring spending in.
Add expenses in three simple ways:
- manually in seconds
- import bank statements
- automatically from Apple Pay shortcuts
Then organize spending with categories and budgets.
SmartBudget keeps the process simple: record what happened, place it where it belongs, and understand the shape of your spending before it gets away from you.
Budgets
Category budgets that keep you aware before overspending becomes a problem.
Create limits for the categories you care about, then see what has been spent, what remains, and where pressure is building. No lectures. Just enough signal to adjust early.
- Create monthly or yearly category budgets.
- Track remaining budget beside real expense activity.
- Use overspend alerts to catch problems while they are still small.
Allocated budget43% spent
A quick read on the month, without digging through every transaction.
Trends
Two layers for understanding where the month went.
Trends has two layers: Spending Overview shows where most money went, while Category Breakdown shows each category's share of the selected period.
Together, they turn a long list of expenses into a simple view of what drove your spending.
- Spending Overview shows the strongest spending categories with bar-style charts.
- Category Breakdown shows how total spending is split between categories.
- Month comparisons that show what changed, not just what happened.
02
Category Breakdown
Tap a category to see the transactions, budget context, and category-specific insights behind it.
Smart Insights
Notice the spending patterns you would normally miss.
Smart Insights watches for the moments that deserve attention: overspending, recurring payments, unusual spending, repeated overspending, and month comparisons.
Each insight explains what changed, why it matters, and where to go next, so you can act without digging through every transaction.
- Budget and subscription alerts when spending starts to drift.
- Unusual spending detection based on recent activity.
- Month comparisons that show the categories raising your total.
What Smart Insights actually notices.How SmartBudget Insights helps you notice recurring payments.
Apple Pay guide
Track many card payments automatically after a one-time setup.
Set up the Apple Pay automation from Profile, and SmartBudget can help capture many Wallet card payments as they happen. iOS Shortcuts automation behavior can depend on device state and Wallet timing, so the app stays honest: automation helps reduce manual entry, but you remain in control.
Premium
Unlock the full monthly money review.
Premium is for people who want SmartBudget to go beyond tracking. It adds the budget pressure, category detail, insight feed, monthly review, and reports that make spending easier to understand over time.
Category BudgetsOverspend AlertsCategory BreakdownSmart InsightsMonthly ReviewReports
Monthly Premium$2.99/month7-day free trial for eligible new subscribers.
Yearly Premium$19.99/yearBest value for long-term use. Trial eligibility applies.
Lifetime Premium$49.99One-time purchase. Unlock forever.
Trust and privacy
No bank login required. Your financial life stays close to you.
On-device first
Your data stays on your device unless you choose to export, share, or import files.
Manual when you want it
Add expenses yourself, import bank statements, or set up Shortcuts automation for supported Apple Pay flows.
Built for clarity
SmartBudget focuses on category budgets, trends, and insights. It does not require bank credentials to be useful.
Quick questions
Simple answers before you start.
Do I need to connect my bank account?
No. SmartBudget Insights does not ask for bank login credentials. You can add expenses manually, import statement files, or use supported Apple Pay Shortcuts workflows.
Can I track expenses without spreadsheets?
Yes. The app is built around expenses, categories, budgets, Trends, and monthly review, so you can understand spending without maintaining a separate spreadsheet.
Does it work with Apple Pay?
SmartBudget can help capture many Wallet card payments through an iOS Shortcuts automation. The setup is optional and stays under your control.
Can I use it on iPhone, iPad, and Mac?
Yes. SmartBudget Insights is available for iPhone, iPad, and newer Macs through the App Store.
Make your spending easier to look at.
Start with the next expense. SmartBudget will help the month make sense.
