Smart Personal Finance Tracker

Stop manually tracking expenses. Set up and forget.

Spender Beta is a native iOS app that automatically captures your financial transactions from bank SMS messages, with professional double-entry accounting and complete privacy.

All features are completely FREE during the beta period.

We're looking for beta testers to help us refine the app before the official launch. Your feedback is invaluable!

• Free: All features unlocked
• Testing: Help us find and fix bugs
• Feedback: Shape the future of Spender
• Early Access: Be among the first to use it

Join Beta †

• SMS Automation: Set up once with iOS Shortcuts, capture transactions automatically
• SMS Analyzer: Optional 583MB ML model for highly accurate extraction
• Works Without Model: Manual entry and file imports available without the analyzer
• Bank Support: Works with all major banks (Indian banks optimized)
• 100% Private: All SMS processing happens on your device

• Double-Entry Ledger: Bank-grade accuracy for all your accounts
• Real-Time Balances: Automatically calculated and updated
• Multiple Account Types: Savings, checking, credit cards, wallets
• Starting Balances: Set initial balances for accurate tracking
• Account Merging: Consolidate duplicate accounts seamlessly

• 13 Default Categories: Food & Dining, Shopping, Transport, Bills & Utilities, Entertainment, Healthcare, Travel, Education, Income, Rent, Investment, Personal Transfer, Uncategorized
• Auto-Categorization: Learns from your patterns
• Custom Categories: Create your own
• Merchant Mapping: Automatically remembers merchant†category assignments

• Unlimited Accounts: Track all your financial accounts
• Account Discovery: Automatically discovers accounts from transactions
• Detailed History: View per-account transaction history
• Account Summaries: See balances and totals at a glance

• CSV Import: Import transactions from Excel, Google Sheets
• QIF & OFX Support: Import from other finance apps
• Smart Column Matching: Automatically detects column formats
• Duplicate Detection: Skips duplicate transactions
• Export to CSV/QIF/OFX: Take your data anywhere

• Local XML Backups: Encrypted backups you control
• iCloud Sync: Automatic sync across your Apple devices
• Complete Backups: All transactions, accounts, categories, settings included
• Easy Restore: One-tap restore from backups

• 150+ Currencies: Support for all major currencies
• Automatic Conversion: Real-time exchange rates
• Offline Rates: Works without internet
• Custom Default: Set your preferred currency

• Native iOS: Built with SwiftUI for smooth performance
• Dark Mode: Full dark mode support
• Custom Themes: Multiple color themes
• Intuitive UI: Easy to navigate and understand
• Accessible: Designed for all users

Screenshots coming soon

Spender Beta is available as a public beta on the App Store:

1. Open the App Store on your iPhone or iPad
2. Search for "Spender" or use this direct link: Download Spender Beta
3. Tap "Get" to download and install
4. Open Spender Beta and start tracking!

• iOS 16.0 or later
• iPhone or iPad
• ~100MB free space (app)
• +583MB free space (optional SMS Analyzer)

1. Open the app † View the dashboard
2. Add your first transaction manually (tap the + button)
3. Set up SMS automation (optional):
   • Go to Settings † Automation
   • Enable "SMS Automation"
   • Tap "Setup Shortcut" to create iOS automation
   • Download SMS Analyzer (Settings † SMS Analyzer)
4. Start tracking!

The SMS Analyzer is a 583MB machine learning model that extracts transaction details from bank SMS messages.

Do you need it?

• YES - If you want automatic SMS capture
• NO - If you only use manual entry or file imports

How to download:

1. Go to Settings † SMS Analyzer
2. Tap "Download SMS Analyzer"
3. Wait 2-5 minutes (keep app open)
4. Enable SMS automation in Settings

Only if you want SMS automation. The app works perfectly fine with manual entry and file imports without it.

Absolutely. All processing happens on your device. Your SMS messages, transactions, and financial data never leave your iPhone. We don't have servers, we don't collect analytics, we don't track you.

The SMS Analyzer works with all banks that send transaction SMS messages. It's been optimized for Indian banks but works globally.

Yes! Import from:

• CSV files (Excel, Google Sheets)
• QIF files (other finance apps)
• OFX files (accounting software)

Two ways:

1. Local Backup: Settings † Backup & Restore † Create Backup (saves encrypted XML)
2. iCloud Backup: Settings † Backup & Restore † Enable iCloud Backup (automatic)

Yes! Settings † Import/Export † Export Transactions

Formats: CSV, QIF, OFX

If you have duplicate accounts (e.g., "HDFC Bank" and "HDFC"):

1. Settings † Accounts
2. Tap the duplicate account
3. Tap "Merge Account"
4. Select target account
5. Confirm

All transactions transfer automatically.

1. Tap the transaction
2. Change the category
3. Tap Save

The app learns from your corrections and auto-applies them to future transactions from the same merchant.

Found a bug? Have a feature request? We'd love to hear from you!

Email: [email protected]

Please include:

• iOS version
• Device model
• Steps to reproduce
• Screenshots (if applicable)

Email: [email protected]

Tell us:

• What feature you'd like
• Why it would be useful
• How you'd use it

Email us directly at [email protected] with any feedback or suggestions.

Your privacy is our top priority. Read our Privacy Policy to understand:

• What data we collect (spoiler: none)
• How SMS processing works (on-device only)
• Your data rights (complete ownership)

TL;DR: All your data stays on your device. We never see it, never store it, never sell it.

Need help? We're here for you.

• Email: [email protected]
• Response Time: Within 24 hours
• Support Hours: 9 AM - 9 PM IST (Monday-Saturday)

View Support Guide

• Widgets for iOS home screen
• Spending limits & budgets
• Bill reminders
• Recurring transaction detection
• Advanced reports & charts
• PDF export
• Family sharing

• Stability improvements
• Bug fixes
• Performance optimization
• User feedback integration

Want to influence the roadmap? Email us your ideas!

Spender Beta is proprietary software. During the beta period:

• Free to use
• All features unlocked
• Beta software - may have bugs
• Features may change

This is beta software. Use at your own risk. Always maintain backups of your financial data.

Built with:

• SwiftUI
• ONNX Runtime for on-device ML
• DeBERTa tokenizer
• GLiNER entity extraction model

Special thanks to all our beta testers!

• App Store: Automatic updates when we release new beta versions
• Email Updates: Major announcements sent to all beta testers
• GitHub: Watch this repo for updates

Spender Beta respects your privacy. Your financial data belongs to you, stays on your device, and is never shared with anyone - including us.

Questions? Email us: [email protected]

Privacy Policy: View Privacy Policy

Support: View Support Guide

Spender Beta - Smart Personal Finance Tracker

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