Your Complete
Personal Finance Solution
Track expenses, manage budgets, scan receipts, and gain insights into your spending.
All in one beautiful app that works offline.
Personal Finance Should Not Be Complicated
Yet most people struggle with these common challenges
Scattered expenses across multiple apps and receipts
No visibility into spending patterns and budgets
Manual entry wastes hours every month
Comprehensive Finance Management
Everything you need to take control of your finances
Smart Expense Tracking
Automatically categorize expenses with intelligent suggestions and custom rules.
Budget Management
Set category budgets and get real-time alerts when approaching limits.
Receipt Storage
Attach and store receipt photos with your transactions for easy reference.
Financial Insights
Visualize spending patterns with interactive charts and detailed reports.
Lending & Borrowing
Track money lent to friends with automatic reminders and payment tracking.
Offline-First
Full functionality without internet. Automatic sync when connected.
Multi-Currency
Support for 150+ currencies with real-time conversion rates.
Quick Entry
Add transactions in seconds with smart shortcuts and voice input.
Smart Budgets
Stay on Track
Create budgets by category — Food, Entertainment, Transport, and more. See exactly how much you've spent vs. your limit with visual progress bars and a clean overview of days remaining.
Built-in Lending Tracker
Ever lent money to a friend and forgot about it? Spendwise tracks every IOU in one place. See who owes you and what you owe — no more awkward "hey, remember that money?" moments.
Then Fair Pricing
Right now, get EVERYTHING free. Future pricing when beta ends:
Free
Perfect for getting started
- 20 transactions per month
- 1 active budget
- 3 lending records
- Basic charts
- Offline access
Premium
or $39.99/year
For serious budgeters
- UNLIMITED transactions
- Unlimited budgets & lending
- Receipt photo storage
- Multi-currency support
- Export to CSV/Excel
- Dark mode
- Priority support
Pro
or $79.99/year
For businesses and power users
- Everything in Premium
- Unlimited receipt storage
- Business expense tracking
- Multi-user access
- Custom categories
- API access
- Advanced AI insights
🎁Early users get Premium features FREE during beta
💡Save $48-96/year vs Monarch, YNAB, PocketGuard
See Full Pricing Comparison →Loved by Thousands
“Finally, an app that tracks lending! I recovered $800 I completely forgot about.”
Sarah M.
Immigrant from Philippines
“50% cheaper than Monarch and works offline. Perfect for my travels around the world.”
James K.
Digital Nomad
“The automatic categorization and detailed reports save me hours during tax season. Worth every penny.”
Maria G.
Small Business Owner
“My family finally stopped awkward conversations about money owed. Game changer!”
David L.
Family Man
Why Choose Spendwise?
Compare us with the competition
| Feature | Spendwise | Monarch | YNAB | PocketGuard |
|---|---|---|---|---|
| Price | $3.99/mo | $8.33/mo | $14.99/mo | $7.99/mo |
| Lending Tracker | ✅ | ❌ | ❌ | ❌ |
| Offline Mode | ✅ | ❌ | ❌ | ❌ |
| Receipt OCR | ❌ | ✅ | ❌ | ❌ |
| Multi-Currency | ✅ | ⚠️ Limited | ⚠️ Limited | ❌ |
| One-Tap Entry | ✅ | ❌ | ❌ | ❌ |
💡Spendwise gives you more features at 50% less cost
Frequently Asked Questions
Everything you need to know
Yes! The first 1000 users get all Premium features completely free during the beta period. No credit card required. Once the beta ends, you can continue with the free tier or upgrade to Premium.
Ready to Take Control of Your Finances?
Track lending, save money, and stay organized.
All for less than a coffee per week.
No credit card required. Cancel anytime.
🔥 Limited to first 1000 users