TestFlight betaSpendWisely
Personal finance with AI insights — and your data stays yours.
Track spending, link bank accounts via Plaid, see real categories, ask the AI what's changed this month. Cash, crypto, foreign currencies all roll up in one place.
Requires the TestFlight app (free) · Spaces limited.
What you get
Bank integration
Plaid-backed account linking. Transactions auto-sync; categories are AI-suggested and user-correctable. Everything stays in your iCloud, not a SpendWisely server.
Multi-currency
USD, EUR, JPY, anything. Live FX rates roll all your accounts up to a single home-currency view. Crypto holdings (BTC, ETH) priced in real time.
AI insights
Ask 'What did I spend on dining this month?' or 'Show me subscriptions over $20.' Apple Intelligence answers from your local data; no cloud round-trip required.
Budgets + trends
Per-category monthly budgets with spend-down progress. Year-over-year comparison so you can see seasonal patterns instead of just this-month-vs-last.
Local-first
Bank tokens encrypted in the iOS Keychain. Transaction history in private iCloud. Nothing forwarded to a SpendWisely server because there is no SpendWisely server.
Net worth tracking
Liquid + investment + crypto + real estate, all on one chart. Goal lines for milestones. Snapshot daily, restore any point in history.
Privacy by default
No analytics. No third-party SDKs. No tracking. Apple-ecosystem services only — App Store, iCloud, StoreKit, Apple Intelligence where applicable.