SpendScout: Expense Tracker

SpendScout is a simple expense tracker and money manager that keeps your spending in one clean list, private on your phone.

Say "12 lunch, 3 coffee" and both are saved. In countries where it's set up, it also writes down payments by itself from the payment alerts your wallet and bank apps already show you. No spreadsheets, no bank login.

SpendScout is not a bank, wallet or payment app. It can't send, receive or hold money, and it never connects to your bank or wallet accounts. It only writes down payments you've already made.

Track daily expenses in seconds
• By voice: say "12 lunch, 3 coffee" and both payments are saved
• Speak in your phone's language or in English
• Or type an amount and what it was for, on any day
• Money is shown in your country's currency and format

Automatic tracking where it's set up
• PayPal, Wise and Payoneer payment alerts, in every country
• Pakistan: JazzCash, Easypaisa, SadaPay, NayaPay and banks such as Meezan Bank, HBL, UBL, MCB and Bank Alfalah
• In beta: India, Bangladesh, the United Arab Emirates, Saudi Arabia, Kenya, Nigeria and the Philippines
• Skips chats, personal messages, OTPs, promotions and failed payments
• Not sure about an alert? It asks once: spent or received? One tap, with Undo

Budget and spending insights
• See where your money goes, by category and by month
• Set a monthly budget and get a heads-up at 80% and again if you go over
• Food, transport, bills, shopping, health and more, picked automatically
• Fix a category once and it remembers that person or shop next time
• Share where your money went this month as a picture, in percentages only, never amounts
• Search every payment by person, shop or note

Reminders, only when useful
• Your week's spending every Sunday evening
• A short recap of yesterday in the morning, and a nudge to add cash in the evening
• Never more than one a day, and each one can be turned off in Settings

Private by design
Your payments, alerts and categories stay on your phone, with no account to create and nothing uploaded. SpendScout uses the internet only to show ads. Voice entry uses your phone's Google speech service to turn speech into text. You can also lock the app with your fingerprint or your phone's PIN.

How automatic tracking works
SpendScout uses Android's notification access to read the payment alerts your apps already show you. It never asks for permission to read your SMS. You choose whether to turn it on, and you can turn it off at any time. Chats and personal messages are not kept; only payment alerts are.

Why SpendScout
Most people give up on an expense tracker after a week, because typing in every payment gets tiring. With SpendScout you say it and it's saved, and where automatic tracking works you don't even do that. It's a simple budget app and spending tracker with nothing to set up: no account, no bank login.

Also: 20 languages, light and dark mode.

Recent changes:
Lock the app with your fingerprint or phone PIN. Set a monthly budget and get a heads-up at 80%. A short recap in the morning and a reminder to add cash in the evening, at most one a day, plus your week every Sunday. Share where your money went this month, as percentages only. Reads bank SMS on more phones, and knows more Pakistani banks.