Recurring payments, handled
Add rent, bills and subscriptions once. Spendcheck logs them every time they repeat and spots when a price goes up, updating the recurring payment for you.
Know where your money goes
A calm, private budget tracker for iPhone that tells you what's actually safe to spend.
- 1Set up recurring paymentsRent, subscriptions, electricity added for you every time they repeat.
- 2See what's safe to spendKnow your real balance after upcoming payments are taken out.
- 3Never miss a due dateA gentle reminder the day before money leaves your account.
Download on the App Store
Free for iPhone · 13 languages
Features
Everything you need to stay on budget. Nothing you don't.
Spendcheck does the arithmetic so you can just glance and know.
Safe to spend
Your real balance after upcoming payments, not before.
Scan receipts
Point your camera at a receipt and the total and merchant are filled in, right on your iPhone.
Smart categories
New expenses land in the right category automatically, and duplicates are caught before they're logged twice.
Calendar view
See every day of the month, past spending and upcoming payments together.
Goals you can watch grow
Each savings goal becomes a building on your own little 3D island, from a cottage to a castle, growing as the money comes in. Spin it, zoom in, and tap a goal to open it.
Widgets
See what's left to spend without opening the app.
Reminders
A heads-up the day before a payment leaves your account.
Make it yours
Custom categories, notes and photos on transactions, and alternative app icons.
Automatic logging
Tap your card. It's already logged.
Connect Spendcheck to Shortcuts once and expenses add themselves, with no bank login and no third party reading your accounts.
- Apple Pay. Log every payment the moment you tap your card.
- Bank notifications. Log transactions as your bank's alerts arrive. Anything that isn't a transaction is skipped.
- Siri. Ask Siri to check your balance, check your spending, or add an expense.
Privacy
Your money is your business.
No accounts to create, no ads, no trackers. Your data stays on your iPhone and in your own iCloud.
- No sign-up. Open the app and start.
- No bank connections. Spendcheck never asks for your banking password.
- On-device intelligence. Receipts and categories are handled on your iPhone.
- iCloud backup. Synced through your own private iCloud, which we can't see.
Every currency
Spend abroad, budget at home.
Log in any currency and Spendcheck converts it using daily exchange rates.
Speaks your language
EnglishČeštinaDeutschEspañolFrançaisItaliano日本語한국어NederlandsPortuguês (BR)Português (PT)Русский繁體中文
FAQ
Questions, answered.
Is Spendcheck free?
Spendcheck is free to download and use for everyday budgeting. Spendcheck Premium adds custom categories, photos and notes on transactions, iCloud backup, alternative app icons and data export. Prices are shown in the app before you subscribe.
Do I need to connect my bank?
No. Spendcheck never asks for bank logins. Add expenses yourself, scan a receipt, or let Shortcuts log Apple Pay payments and bank notifications automatically.
Where is my data stored?
On your iPhone, and in your private iCloud if you turn on iCloud backup. We don't run servers that hold your data, and we can't see it.
What does "safe to spend" mean?
It's your balance for the period minus every payment still due before it ends: rent, bills and subscriptions you've set up as recurring. It's what you can spend without coming up short.
Can I use more than one currency?
Yes. Log an expense in any currency and Spendcheck converts it into your main currency using daily rates from the European Central Bank.
How do I get help?
Email contact@spendcheck.money and you'll hear back from the person who makes the app.
Start knowing where your money goes.
Set up your budget in a minute. Free on the App Store.
Get Spendcheck