Private by design · Encrypted on device

Know where your money stands — in seconds.

SmartSpend turns scattered transactions into one calm, trustworthy picture. Budgets, savings, subscriptions and AI-assisted insights, working quietly in the background.

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9:41SmartSpend
Total BalanceEUR
€4,820.50
Income€6.2k
Expense€1.4k
Savings€2.1k
Budget€3.0k
Subs€84
128
Transactions
82
Money Health

The whole picture, on one calm screen.

Real screens from SmartSpend — the balance you came for, the goals you're chasing, and the budgets keeping you honest.

9:41Overview
Total BalanceEUR
€4,820.50
Income€6.2k
Expense€1.4k
Savings€2.1k

Your balance, first

The one number you opened the app for — big, exact, and trustworthy.

9:41Savings
Monthly surplus available
€950.00
Namibia tripBehind
€303 / €3,500
8.7% · Suggested €533/mo
Emergency fundOn track
€2,400 / €3,000
80% · Ahead of pace

Goals with momentum

A target, a deadline, a suggested pace — and an honest read on what's behind.

9:41Budgets
Groceries€420 / €500
84% used · 9 days left
Dining out€310 / €280
Over by €30
Transport€88 / €200
44% used · comfortable

Budgets that hold the line

One green-to-red meter per category. You see trouble before it happens.

Everything your money needs, nothing it doesn't.

A focused toolkit that stays calm by default and speaks up only when it matters.

Budgets that hold the line

Set limits per category and watch a single green-to-red meter tell you exactly where you stand for the month.

Savings goals with momentum

Define a target and deadline, get a suggested monthly pace, and see at a glance which goals are on track.

Subscriptions

Track recurring bills, spot what renews soon, and find what to cut.

Insights & forecasts

Burn-rate, anomaly alerts and projections that read your trend, not just your total.

Money Health Index

One score for budget discipline and savings momentum — your financial check-up.

Scenario Lab & AI Budget Coach

Run what-if scenarios — a raise, a new subscription, a tighter month — and see the projected impact on your runway and goals. Personalized coaching is on the way.

Available now · Coaching coming soon

Your finances stay yours.

SmartSpend is built privacy-first. Sensitive data is encrypted on your device, access is guarded by biometrics, and every connection to our servers is pinned and verified.

Ask us anything

On-device encryption

Your financial records are encrypted locally with field-level encryption — they never live in plain text.

Biometric lock

Face ID / fingerprint stands between your data and anyone who picks up your phone.

Pinned, verified connections

Certificate pinning protects every request against interception and tampering.

Calm money is coming to your pocket.

SmartSpend launches soon on iPhone and Android. Add your email below and we'll tell you the day it's live — nothing else.

Support & feedback

Hit a snag, found a bug, or have an idea that would make SmartSpend better? Tell us — real people read every message.

Or email us directly at support@smaartspend.com