Spendlens: Expense & Budget

**Take control of your money with clarity, not complexity.** Spendlens is the personal finance app built for people who want real insight into their spending, without giving up their privacy. Every AI and ML model runs on your device. Your bank credentials never touch our servers. And your data stays yours. **BRING YOUR FINANCES INTO FOCUS** Your dashboard puts everything in one place: spending pace, cash flow trends, savings progress, upcoming bills, and investment performance — all in beautiful, swipeable cards you can reorder however you like. The Focus dashboard gives you a financial health score calculated from your actual spending patterns, budget adherence, and savings momentum. No generic advice, just a clear read on where you stand. **SHARE AND CONNECT SECURELY** Aperture lets you open a secure window into your financial life — for a partner, a family member, or an advisor. You choose exactly what they see, E2E encrypted. **BUDGET WITH CONFIDENCE** Set up budgets in minutes with the guided wizard, or let smart suggestions optimize your allocations based on real spending history. Track your pace throughout the month with visual indicators that tell you instantly if you're on track, approaching your limit, or over budget. Rolling budgets carry unspent amounts forward. The built-in forecaster projects your end-of-month position using Holt-Winters or ARIMA models, the same statistical techniques used by analysts running entirely on your iPhone. **CAPTURE EVERY TRANSACTION** - Scan receipts with your camera: AI extracts the merchant, amount, date, and currency automatically - Import from CSV files with intelligent column mapping - Connect your bank for automatic sync (Pro+Connect) - Or add transactions manually in seconds On-device machine learning categorizes every transaction using a neural network trained for personal finance. It learns your preferences over time and gets smarter with every correction. **TRACK INVESTMENTS & NET WORTH** Monitor your portfolios with interactive line and candlestick charts. Track individual holdings, lots, cost basis, and daily performance with real-time market data. Watch your net worth grow with milestones and asset allocation breakdowns. **SET GOALS AND REACH THEM** Create savings goals with target dates or monthly contributions. Visual progress rings show exactly where you stand. Celebrate milestones at with dedicated achievement moments. **SHARE SECURELY WITH APERTURE** Aperture lets you share financial data with a partner, family member, or advisor — protected by end-to-end encryption (P256 ECDH + AES-256-GCM). Our servers only see ciphertext. We literally cannot read your shared data. **STAY INFORMED, NOT OVERWHELMED** 22 notification categories: from budget warnings and bill reminders to large transaction alerts and savings nudges — each independently configurable. Set Quiet Hours so your finances don't interrupt dinner. **BUILT FOR PRIVACY** - All ML runs on-device; zero financial data sent to external AI services - AES-256-GCM encryption with Secure Enclave key hierarchy - Bank credentials go directly to Plaid, never to us - iCloud sync stays in your private CloudKit database - Receipt images are processed in memory and never saved or uploaded - No advertising. No tracking pixels. No data sales. Ever. **WORKS THE WAY YOU DO** - 17 languages: English, Spanish, German, French, Italian, Chinese Simplified & Traditional, Japanese, Korean, Portuguese, Arabic, Dutch, Hindi, Polish, Swedish, Thai and Turkish. - 50 currencies with live conversion rates for multi-currency accounts - Dark mode, theme colors, font scaling, and color-blind mode - Delightful Home Screen widgets for quick glances --- **FREE TO START. PRO WHEN YOU'RE READY.** The free tier includes manual transactions, budgeting, and receipt scanning. Upgrade to Pro for forecasting, investing, net worth, widgets, Aperture, and advanced analytics. Add Connect for automatic bank sync.