SpendSmart: Budget & Goals
Ricky Chiew Finance iPhoneiPadiPod touch
SpendSmart: Budget & Goals is a free Finance app for iPhone and iPad by Ricky Chiew. Requires iOS 15.1. Updated May 10, 2026.
- Price
- Free
- on the App Store
- Size
- 32 MB
- Age 4+
- Updated
- May 10
- 2026 · v1.1.0
Screenshots
About SpendSmart: Budget & Goals
SpendSmart is the budgeting app built for couples and individuals who want a clear picture of where their money goes - and a plan to save more of it. Dashboard at a Glance See your monthly income, total spending, and top spending categories the moment you open the app. Your partner's spending is shown alongside yours so nothing slips through the cracks. Smart Budgets Create category budgets with custom emojis and colors. SpendSmart tracks spending in real time and warns you before you go over — with a configurable warning threshold so you decide when to be alerted. Savings Goals Set savings targets for anything — a holiday, a new car, an emergency fund. Log contributions and watch your progress bar climb toward the finish line. Household Sharing Invite your partner with a simple join code. Once connected, all transactions, budgets, and goals sync between both of you automatically. See exactly how much each person has spent this month, side by side. Financial Reports Review your finances across any time range: this month, last month, the last 3 months, or the full year. Export a detailed PDF report and share it instantly — great for budgeting conversations or tax prep. Gamification Earn XP and unlock badges as you build better money habits. Level up your financial wellbeing and see your achievements on your profile. Works Offline Add transactions, update budgets, and log contributions even without an internet connection. SpendSmart syncs everything to the cloud automatically when you're back online. Designed for Dark Mode A sleek dark-first design that's easy on your eyes at any time of day. Supports Multiple Currencies Choose your preferred currency and see all amounts displayed correctly throughout the app. Whether you're budgeting solo or managing finances as a couple, SpendSmart gives you the clarity and tools to spend wisely and save confidently.
What’s new
Version 1.1.0 · Updated May 10, 2026
- Split expenses with your partner — mark any expense as shared, set a custom split ratio, and track who owes whom on the home screen. Settle up in one tap. - Subscription tracker — see all your recurring bills in one place with colour-coded renewal dates and a monthly total. Get a reminder 3 days before anything renews. - Recurring transactions — set up rent, salary, subscriptions, or anything that repeats and the app logs them automatically on schedule. - Month-over-month comparison — the Reports tab now shows how your spending by category compares to last month, with a at-a-glance percentage change. - Custom currency symbol — use any symbol for your currency, not just the built-in presets. Bug fixes and performance improvements
App privacy
The developer, Ricky Chiew, reported these privacy practices to Apple.
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Contact Info: Email Address
Used for: App Functionality
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Financial Info: Other Financial Info
Used for: App Functionality
Alternatives to SpendSmart: Budget & Goals
Looking for apps like SpendSmart: Budget & Goals? Here are 6 similar apps on the App Store. The highest rated is Winnie: Savings Goal Tracker (5.0/5), and all 6 are free to download.
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Ease - The Expense Tracker
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Red Money Budget Tracker
-
Winnie: Savings Goal Tracker
5.0
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Spend Budget: Expense Tracker
-
Expense Tracker: MySprout
-
Spending Tracker - YouSpend
| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| SpendSmart: Budget & Goals | – | Free | May 10, 2026 | |
| Ease - The Expense Tracker | – | Free | Apr 17, 2026 | Compare |
| Red Money Budget Tracker | – | Free | Oct 23, 2026 | Compare |
| Winnie: Savings Goal Tracker | 5.0 / 5 (4) | Free | Sep 16, 2026 | Compare |
| Spend Budget: Expense Tracker | – | Free | Aug 27, 2026 | Compare |
| Expense Tracker: MySprout | – | Free | Oct 26, 2026 | Compare |
| Spending Tracker - YouSpend | – | Free | Sep 20, 2026 | Compare |