SpendCheck
A simple expense tracker that keeps your money, and your data, right where they belong: on your own phone.
One app, two platforms. Pick yours below.
SpendCheck for iOS Available now
Expense, refund, or investment
Three distinct types, so moving money into a brokerage never inflates your spending totals.
Week and month, at a glance
Home tab shows both totals side by side; Summary breaks it down by category and merchant.
Receipts you can search
Snap a photo and its text becomes searchable later, even for those cryptic item codes.
Merchant autocomplete
Start typing a business name and your most-used merchants suggest themselves.
Recently Deleted
Swiped away an expense by mistake? It's recoverable for 14 days instead of gone in a few seconds.
Recurring expenses
Rent, subscriptions, insurance — set it to repeat weekly, monthly, or annually and SpendCheck logs it on schedule.
A review queue for anything uncertain
Automated entries from Shortcuts or Apple Pay that can't be fully confirmed wait for you in Review, instead of showing up as a blank entry.
Back up on your own terms
Encrypt your expenses and receipts with a passphrase only you know, and save that backup to your own cloud storage. Nobody but you can read it.
Export anytime
Pull your full history as a CSV and save it to Files, iCloud Drive, or any cloud provider.
Want purchases logged automatically? See our Apple Pay automation guide →
Free to download · Privacy Policy
SpendCheck for Android Available now
Auto-logged from your notifications
SpendCheck reads the transaction notifications your bank or payment app already sends you (including refunds) and logs the expense for you as they arrive. Works with most major banks and payment apps — all on your device.
Learns your patterns
Confirm a recognized notification type twice and SpendCheck starts logging it automatically after that.
A review queue for anything uncertain
If a notification looks like a transaction but isn't fully recognized yet, SpendCheck queues it for a quick one-tap confirm instead of guessing.
Recently Deleted
Swiped away an expense by mistake? It's recoverable for 14 days instead of gone in a few seconds.
Three transaction types
Log expenses, refunds, and investment contributions separately, so moving money into a brokerage never inflates your spending totals.
Weekly & monthly totals
See This Week and This Month side-by-side on Home, plus a full spending trend chart by day, week, month, or year.
Recurring expenses
Rent, subscriptions, insurance — set it to repeat weekly, monthly, or annually and SpendCheck logs it on schedule.
Also included: receipts you can search · export anytime · App Lock · backed up automatically (encrypted with your device's screen lock, so no one but you can read it)
Built for privacy, not for data
Everything lives on your device by default. No account, no backend, no analytics. The only exceptions are opt-in and stay under your control: Android's own OS-level backup (end-to-end encrypted with your screen lock — that's Android's feature, not a SpendCheck server), and iOS's optional Backup & Restore (only if you turn it on, encrypted with a passphrase only you know, sent only to the cloud storage you choose). SpendCheck itself never sees any of it either way.
Read the full privacy policy →"I built SpendCheck because I wanted an expense tracker as simple as the question it answers: where did my money actually go? On Android, that meant going one step further — let the app notice the transaction for you, the moment your bank tells you about it."
Ready to see where your money actually goes?
Available now on iOS and Android. No account required, ever.
SpendCheck
A simple expense tracker that keeps your money, and your data, right where they belong: on your own phone.
One app, two platforms. Pick yours below.
SpendCheck for iOS Available now
Expense, refund, or investment
Three distinct types, so moving money into a brokerage never inflates your spending totals.
Week and month, at a glance
Home tab shows both totals side by side; Summary breaks it down by category and merchant.
Receipts you can search
Snap a photo and its text becomes searchable later, even for those cryptic item codes.
Merchant autocomplete
Start typing a business name and your most-used merchants suggest themselves.
Recently Deleted
Swiped away an expense by mistake? It's recoverable for 14 days instead of gone in a few seconds.
Recurring expenses
Rent, subscriptions, insurance — set it to repeat weekly, monthly, or annually and SpendCheck logs it on schedule.
A review queue for anything uncertain
Automated entries from Shortcuts or Apple Pay that can't be fully confirmed wait for you in Review, instead of showing up as a blank entry.
Back up on your own terms
Encrypt your expenses and receipts with a passphrase only you know, and save that backup to your own cloud storage. Nobody but you can read it.
Export anytime
Pull your full history as a CSV and save it to Files, iCloud Drive, or any cloud provider.
Want purchases logged automatically? See our Apple Pay automation guide →
Free to download · Privacy Policy
SpendCheck for Android Available now
Auto-logged from your notifications
SpendCheck reads the transaction notifications your bank or payment app already sends you (including refunds) and logs the expense for you as they arrive. Works with most major banks and payment apps — all on your device.
Learns your patterns
Confirm a recognized notification type twice and SpendCheck starts logging it automatically after that.
A review queue for anything uncertain
If a notification looks like a transaction but isn't fully recognized yet, SpendCheck queues it for a quick one-tap confirm instead of guessing.
Recently Deleted
Swiped away an expense by mistake? It's recoverable for 14 days instead of gone in a few seconds.
Three transaction types
Log expenses, refunds, and investment contributions separately, so moving money into a brokerage never inflates your spending totals.
Weekly & monthly totals
See This Week and This Month side-by-side on Home, plus a full spending trend chart by day, week, month, or year.
Recurring expenses
Rent, subscriptions, insurance — set it to repeat weekly, monthly, or annually and SpendCheck logs it on schedule.
Also included: receipts you can search · export anytime · App Lock · backed up automatically (encrypted with your device's screen lock, so no one but you can read it)
Built for privacy, not for data
Everything lives on your device by default. No account, no backend, no analytics. The only exceptions are opt-in and stay under your control: Android's own OS-level backup (end-to-end encrypted with your screen lock — that's Android's feature, not a SpendCheck server), and iOS's optional Backup & Restore (only if you turn it on, encrypted with a passphrase only you know, sent only to the cloud storage you choose). SpendCheck itself never sees any of it either way.
Read the full privacy policy →"I built SpendCheck because I wanted an expense tracker as simple as the question it answers: where did my money actually go? On Android, that meant going one step further — let the app notice the transaction for you, the moment your bank tells you about it."
Ready to see where your money actually goes?
Available now on iOS and Android. No account required, ever.