Finally, a budgeting app that makes money from your subscription - not from you.
Every transaction, budget, and insight is stored only on your iPhone, never on our servers. The one thing we ever send out is a store name, to fetch its logo and category, and even that is processed in transit and never stored. Your amounts, dates, and identity never leave your device.
Four-layer engine classifies every transaction automatically - your corrections take top priority and are remembered permanently. Merchant logos fetched and cached.
Statistical spending pattern detection that runs entirely on your device. The subscription scanner surfaces forgotten subscriptions and recurring bills from the last 90 days automatically.
Layers your budget, burn rate, upcoming bills, savings goals, and payment plan commitments into one answer. Shows split payment tiers with interest - or when you can comfortably afford it.
Connect European bank accounts, with up to 180 days of history backfilled on the first sync. Background sync runs every three hours, and your credentials stay in your Keychain, never on our servers.
Privacy isn't a feature we bolt on - it's the foundational design principle of our entire stack. Your financial data is stored exclusively on-device. Our backend exists solely to enrich transactions - and is architecturally incapable of retaining them.
When transactions arrive from your bank, our backend fetches and processes the full transaction payload in-memory - amounts, dates, and merchant details - then immediately forwards the enriched result to your device without writing any of it to storage. Only merchant name strings are ever shared with our LLM cleaning layer or logo provider. Everything else is discarded the moment it leaves the pipeline.
Download SpendFox for iOS. Your financial data is stored on your phone, not on our servers.