Your money.
Your device.
Your rules.
Track spending, set budgets, and share with a partner — without connecting your bank. Your financial data lives on your device, not our servers.
Everything you need.
Nothing you don't.
Built for people who value privacy as much as clarity — without sacrificing any feature a real expense tracker needs.
No bank login. Ever.
100% manual logging. Your banking credentials stay off every server — including ours. We built the whole architecture around this.
Multi-currency support
Log in any of 150+ currencies. Exchange rates fetched daily and cached offline — accurate totals, always, even without internet.
Shared partner vault
Invite your partner and share a vault via iCloud. No passwords shared, no bank access — Apple end-to-end encryption throughout.
Budget envelopes
Allocate monthly amounts per category. Remaining balance updates live as you spend, with amber and red alerts near the limit.
Recurring transactions
Mark any transaction as recurring — daily, weekly, monthly, or yearly. Spendaq auto-logs missed occurrences at every launch.
Private iCloud sync
Sync across your iPhone, iPad, and Mac via your own iCloud — not our servers. Offline changes replay automatically when reconnected.
Up and running in minutes.
No sign-up. No bank connection. No configuration rabbit hole.
Log a transaction
Tap +, enter amount, pick a category, add a note. Done in under 5 seconds.
Track your spending
Dashboard shows live totals, category breakdowns, and a spending ring for any date range you choose.
Stay in control
Set budget envelopes, share with your partner, export CSV for your accountant — and never worry about data leaks.
Simple, honest pricing.
Start free. Upgrade when you need more. One price — no hidden fees, no data sold to offset the cost.
Free
Forever free · No card needed
- Up to 8 transactions
- 10 default categories
- Monthly balance summary
- Face ID / Touch ID lock
- Dark mode
- Budget envelopes
- iCloud sync
- Multi-currency
- Partner vault
Pro Annual
3-day free trial · $2.92/mo equivalent
- Unlimited transactions
- Custom categories
- Budget envelopes
- iCloud sync
- Multi-currency (150+)
- Recurring transactions
- Spending charts & reports
- CSV + PDF export
- Partner vault sharing
- Widgets + Apple Watch
Lifetime
Pay once, own forever
- Everything in Pro Annual
- All future features
- No recurring charge
- Priority support
- Ideal for users who distrust recurring subscriptions
Subscriptions auto-renew unless cancelled 24 hours before the end of the billing period. Manage in iPhone Settings → [Your Name] → Subscriptions. Terms · Privacy
"We never see your transactions. Ever."
Spendaq's architecture is built around one constraint: your financial data is yours. It lives on your device, syncs through your iCloud, and never touches our servers. We make money through subscriptions — not your data.
What this means in practice
Take control of your spending.
Join thousands of people who ditched bank-connected apps and chose privacy-first budgeting.