Your spending is scattered across cash, credit, debit and Revolut — no single place shows it all.
SolvedOne unified ledger across every payment method.
Private · On-device AI · No account
See where every euro goes.
Snap a receipt and on-device AI fills in the merchant, amount, and date. Cash, cards, and statements — one trustworthy ledger, entirely on your iPhone.
Free to start · Works fully offline · Your data never leaves your iPhone
The problem
Tracking your spending is broken.
Money is scattered across cards, cash and apps — and the totals you do get can't be trusted. SnapSpend fixes both.
Bank statements arrive as messy PDFs and CSVs — a different format for every bank.
SolvedOne-tap import that auto-detects the layout and cleans up cryptic merchant names.
Cash purchases vanish and paper receipts get lost, faded or thrown away.
SolvedSnap a receipt in seconds — the photo is kept for returns, warranty and expenses.
Totals lie: transfers count as spending, refunds aren't subtracted, purchases get counted twice.
SolvedA correctness engine removes transfers, nets refunds and catches duplicates.
You spend in several currencies, so the "real" cost at home is never clear.
SolvedEverything rolls up into one base currency, with the exact rate shown.
Most trackers die because they're too much work, so you stop after a week.
SolvedCapture is instant: scan, import or a two-tap manual entry. Nothing to reconcile by hand.
Features
Everything you need — nothing you don't.
A complete, trustworthy spending tracker that runs entirely on your device.
Receipt scan + AI OCR
Point your camera at a receipt; on-device AI reads the merchant, total, date and items. You confirm before saving.
Statement import (PDF/CSV)
Drop in a Revolut, BOI or AIB export. It auto-detects the format and turns each line into a clean transaction.
Unified ledger + search
Cash, cards and imports in one searchable list. Filter by merchant, category, account, tag or amount.
Smart auto-categorize
Transactions are categorized from the merchant and receipt text. Editable categories and free-form tags.
De-duplication
The same purchase from a receipt and a statement is caught — including fuzzy matches — so nothing is double-counted.
Transfer detection
Money moved between your own accounts and card payoffs are linked and excluded from spending.
Refund linking
Link a refund or return to its original purchase — even partial refunds — and totals stay honest.
Multi-currency + FX
Spend in CNY, USD, EUR and more. Everything rolls up to one base currency; FX fees are surfaced as their own line.
Insights, trends & budgets
Spend by category, method and currency, a 6-month trend, and an optional monthly budget with gentle alerts.
Receipts you keep
Every receipt photo is stored with its transaction — zoom in and share as proof for a return or warranty claim.
Encrypted backup & export
Passphrase-encrypted, Face ID-protected backups, plus CSV/PDF export for your accountant. No lock-in.
Audit trail
Every change is logged and badged Auto or You, so you can always see why a number is what it is.
How it works
Three taps from receipt to insight.
1
Snap or import
Scan a receipt, import a bank statement, or add a quick manual entry.
2
Confirm
On-device AI fills in the details and suggests a category. Adjust anything, then save.
3
Understand
See trustworthy totals, trends and budgets — in one base currency.
A closer look
Designed to feel right at home on iPhone.
Privacy
Your money is nobody's business but yours.
SnapSpend is built local-first. There's no account and no server holding your data. Receipt reading happens on your iPhone, and the only network call is an anonymous exchange-rate lookup.
- No account and no bank logins — ever.
- On-device OCR — receipt photos never leave your phone.
- No ads, no analytics, no tracking. Zero data collected.
- Optional iCloud sync uses your own private iCloud — off by default.
- Encrypted backup and open CSV/PDF export — your data, no lock-in.
Nothing leaves your device
Except an anonymous FX-rate lookup — no personal or financial data, ever.
Pricing
Start free. Upgrade only if you want more.
Everything that protects or exports your data is free — forever.
Free
€0
The full-featured tracker — genuinely free.
Download
- Unlimited manual entry
- Receipt scan + AI OCR
- Statement import (PDF/CSV)
- Correctness engine & multi-currency
- Insights, encrypted backup & export
Most popular
Pro
€19.99/ yearSave ~80% vs. similar apps
Also €2.99/month or €49.99 one-time lifetime.
Go Pro
- Everything in Free, plus:
- iCloud multi-device sync
- Subscription & bill-drift alerts
- Split & shared bills
- Advanced custom reports
Compare plans
| Feature | Free | Pro |
|---|---|---|
| Unlimited manual entry | ||
| Receipt scan + AI OCR | ||
| Statement import (PDF / CSV) | ||
| Unified ledger + search | ||
| Auto-categorize & tags | ||
| Multi-currency + FX | ||
| Correctness engine (dedup / transfers / refunds) | ||
| Insights, trends & budgets | ||
| Encrypted backup & restore | ||
| CSV / PDF export | ||
| iCloud multi-device sync | ||
| Subscription & bill-drift alerts | ||
| Split & shared bills | ||
| Advanced custom reports |
One purchase unlocks Pro — subscription or lifetime, same features either way. Prices vary by region.
How our price compares
| App | Yearly | Lifetime |
|---|---|---|
| SnapSpend | €19.99 | €49.99 |
| YNAB | ≈€105 | — |
| Monarch Money | ≈€100 | — |
| Copilot Money | ≈€90 | — |
| PocketGuard | ≈€75 | ≈€99 |
| Spendee | ≈€23–45 | — |
Competitor prices are approximate annual plans in EUR; they vary by region and may change. Most alternatives don't offer a lifetime option at all.
FAQ
Questions, answered.
Is my financial data safe?
Yes. SnapSpend is local-first: there's no account and no server. Your transactions and receipt photos stay on your iPhone, and backups are encrypted with your own passphrase behind Face ID.
Do I have to connect my bank?
Never. There are no bank logins. You import a statement (PDF/CSV) or scan a receipt — you stay in control of what goes in.
Does it work without internet?
Yes, fully. Receipt reading and everything else runs on-device. The only network call is an anonymous exchange-rate lookup that sends currency codes and dates — no personal data.
Which banks are supported?
Revolut, Bank of Ireland and AIB have calibrated profiles, and the smart importer handles generic PDF/CSV statements too — including scanned, image-only PDFs via on-device OCR.
What's free versus Pro?
Everything you need to track spending — scanning, import, the correctness engine, multi-currency, insights, encrypted backup and export — is free. Pro adds iCloud sync, subscription-drift alerts, split bills and advanced reports.
Can I get my data out?
Always. Export to CSV or PDF for your accountant, and create a portable encrypted backup any time. Your data is never held hostage.
Take control of your spending today.
Free to start. No account. Works entirely on your iPhone.
Download on theApp StoreRequires iOS 26 or later.