Smartr: No More Overspending
ZBGC LLC Finance iPhoneiPadiPod touch
Smartr: No More Overspending is a free Finance app for iPhone and iPad by ZBGC LLC. Rated 5.0/5 from 25 ratings. Requires iOS 18.5. Updated May 6, 2026.
- Rating
- 5.0
- 25 ratings
- Price
- Free
- on the App Store
- Size
- 60 MB
- Age 4+
- Updated
- May 6
- 2026 · v1.9.6
Screenshots
About Smartr: No More Overspending
Smartr is a different approach to your money. Instead of just showing you numbers, We will block your shopping apps and tell you why they're harmful. We will show you spend, why you spend, and how the economy affects you. Think you know your spending? then see if you can predict your own money! LEARN YOUR MONEY Smartr turns financial awareness into something you actually want to open every day. Track your spending on an interactive path, answer daily economics quizzes, and predict where your money is headed. SPENDING PATH Your daily spending visualized as a beautiful, interactive journey. Each day is green when you're under budget, red when you're over. Over your week and month, you'll be creating your own finance chart! SPENDING PREDICTIONS Think you know your spending habits? Predict which category will be #1 by month's end. Track your accuracy, compete with yourself, and learn what drives your spending. DAILY FINANCIAL QUIZZES Every day, learn how real-world economics affect your wallet. Short questions about inflation, interest rates, housing costs, etc will help in building your financial literacy one answer at a time. SPENDING SHIELD Go over budget? Smartr can block your impulse-purchase apps (shopping, food delivery, entertainment) until you make a conscious decision to continue. It's like a speed bump for your wallet. SUBSCRIPTION DETECTION Automatically detect every recurring charge across your accounts. See upcoming bills, track annual costs, and never be surprised by a forgotten subscription again. BANK-LEVEL SECURITY Connect your accounts securely through Plaid. Your bank credentials are never stored by Smartr. we only see your transactions, never your login details. KEY FEATURES • Interactive spending path with daily progress nodes • Spending predictions with accuracy tracking • Daily economics and financial literacy quizzes • Automatic subscription and recurring charge detection • Spending Shield: block apps when you go over budget • Category breakdowns and spending trends • Budget streaks and daily check-ins • End-of-month spending projections • Beautiful themes (Classic, Forest, Ocean, Midnight, Coral, Sand) • Home screen widgets • Plaid-powered bank connection • Smartr Talk: contextual AI chat plus in-app shortcuts (Plaid, recaps, subscriptions, limits, themes, goals—see in-app for current tools) HOW IS SMARTR DIFFERENT? Most finance apps show you what you spent. Smartr helps you understand why. Instead of charts and graphs you'll never look at, Smartr gives you an interactive spending path — a visual journey through your week where every day tells a story. Instead of generic tips, you get daily quizzes about real economics that affect your wallet. Instead of just setting limits, Spending Shield actually blocks impulse-purchase apps when you go over budget. Smartr was built on one idea: financial literacy helps. It's that simple. People who understand their money save more, they stress less, make better decisions, and feel more in control. WHO IS SMARTR FOR? • College students learning to manage money for the first time • Young professionals who want to understand where their paycheck goes • Anyone tired of budgeting apps that feel like spreadsheets • People curious about how inflation, interest rates, and economic trends affect their daily spending • Couples who want visibility into shared spending habits • Anyone who wants an AI teammate for everyday money questions—with transparent, grounded answers PRICING Smartr offers a free trial so you can experience every feature. After your trial, a subscription unlocks the full experience. For more & Apple EULA below! Privacy is fundamental to Smartr. We never sell your data. Learn more at our privacy policy. PLEASE NOTE All features require a subscription. However, there is a 14-day free trial. Check out Apple's EULA for more: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Questions? Reach out at [email protected]
Ratings & reviews
5.0
25 ratings
What’s new
Version 1.9.6 · Updated May 6, 2026
1.9.6 update quick fix! Thank you for everyone downloading the app! I'm happy to hear it's working with a lot of people, and we want to continue to deliver to you some bug fixes to make it better for you to not have to worry about money! - a lot of users noticed an issue in older devices not being able to tap the settings and manual entry button together, we increased the interaction size while also keeping it slick! as always, thank you for supporting, and if you find anything, feel free to email us! we do like to read your emails! Have a good day!
App privacy
The developer, ZBGC LLC, reported these privacy practices to Apple.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Purchases: Purchase History
- Identifiers: Device ID
- Usage Data: Product Interaction
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Purchases: Purchase History
- Identifiers: Device ID, User ID
- Usage Data: Product Interaction
- Financial Info: Other Financial Info
Used for: Developer’s Advertising or Marketing, App Functionality
Alternatives to Smartr: No More Overspending
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| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| Smartr: No More Overspending | 5.0 / 5 (25 ratings) | Free | May 6, 2026 | |
| Surplus Budget & Money Tracker | 4.6 / 5 (10) | Free | May 16, 2026 | Compare |
| North: Future Finance | 4.7 / 5 (14) | Free | Sep 26, 2026 | Compare |
| Bundul: Control your bills. | 5.0 / 5 (3) | Free | Oct 17, 2026 | Compare |
| WealthNX AI | 5.0 / 5 (6) | Free | Oct 15, 2026 | Compare |
| PayCycle: Track & Budget Bills | 4.6 / 5 (5) | Free | Aug 10, 2026 | Compare |
| Moneta: Money Tracker & Budget | 4.8 / 5 (6) | Free | Oct 12, 2026 | Compare |