Spendcast

Spendcast is the privacy-first budgeting app that never sees your data. Every penny you track stays on your device -- no cloud servers, no bank logins, no third-party data sharing. Ever. SMART BUDGETING, ZERO COMPROMISE - Safe-to-Spend: Know exactly how much you can spend each day until payday - Unlimited Budgets: Track spending by category with color-coded progress bars - Bill Calendar: Visual monthly grid shows when every bill is due - Recurring Rules: Auto-log bills and income so you never miss a payment LOG TRANSACTIONS YOUR WAY - Manual Entry: Quick, clean transaction logging - Receipt Scanner: Snap a photo and let OCR extract the merchant, amount, and date - Barcode Scanner: Scan product barcodes for instant logging - Voice Logging: Just say "spent $12 at Starbucks" and Spendcast handles the rest - Quick Categories: 19 built-in categories with 90+ auto-categorization rules that learn from you AI-POWERED INSIGHTS - AI Chat Assistant: Ask questions about your spending in plain English -- all processed on-device - What-If Planner: Simulate cutting categories or boosting income and see 12-month projections - Spending Predictions: See where your month is heading before it gets there - Anomaly Detection: Get alerted to unusual charges and potential duplicates - Subscription Tracker: Find forgotten subscriptions costing you money - Financial Health Score: Get graded A-F across 5 financial health components REACH YOUR GOALS - Savings Goals: Track progress toward vacation, emergency fund, or any target - Debt Payoff Engine: Snowball or Avalanche strategies with interactive extra-payment slider - 15 Achievements: Gamified motivation from "First Step" to "Centurion" (100-day streak) - Net Worth Tracking: See your full financial picture -- assets vs. liabilities WORKS EVERYWHERE - Home Screen Widgets: Glance at safe-to-spend, streaks, and budget progress - Lock Screen Widgets: Key numbers always visible - Apple Watch App: Quick-log transactions from your wrist - Siri Shortcuts: "Hey Siri, log an expense in Spendcast" - iCloud Backup: Optional encrypted backup to iCloud COUPLES MODE Tag accounts as Mine, Partner, or Joint to manage shared finances while keeping individual spending private. YOUR DATA, YOUR RULES - 100% on-device storage (Apple SwiftData) - Zero cloud servers - Zero bank credential requests - AI runs locally -- no API calls - CSV export for full data portability - Delete the app = delete all data. Permanently. Spendcast Premium unlocks unlimited budgets, AI Chat, What-If Planner, Debt Payoff, receipt scanning, and more for just $59.99/year -- the lowest premium price in the category. Terms of Use: https://spendcastapp.com/terms.html Privacy Policy: https://spendcastapp.com/privacy.html