SpendSmart
The budgeting app that doesn't need your bank login
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I built SpendSmart because every budgeting app I tried wanted bank access, or buried me in features I never used. So I made something simpler: log spending manually, see clean category breakdowns and trends, keep your bank info out of it entirely. I've used it daily since building it — first tracker that's stuck for me. Free tier covers the basics. Pro ($4.99/mo or $39/yr) adds full history, analytics, exports, and recurring templates. Built solo. Feedback welcome!
PH · launched Sep 25, 2026 · 1 upvote (top 69%) · 0 views
Niche: personal finance and budgeting apps · 424 launches, 44 in the last 7 days ▼ -20% · Explore this niche →
Category and tags
- Fintech
- Analytics & BI
- B2C
- Not AI
- Commercial product
- Productivity
- Fintech
- Personal Finance
Visit website ↗ Source listing ↗
More like this: all 424 launches in personal finance and budgeting apps →
Could you build this?
Yes A purely manual expense and budget tracking application with category analytics and reports is an entry-level full-stack CRUD application.
Competitors
Other products that read as similar to this one : 826 launches clear the similarity bar, closest 8 shown.
Attention rank: #674 of 827 (itself plus its competitors, highest first, normalized so YC and Product Hunt are compared fairly).
Launched 326 days after the earliest competitor.
- My Finances Tracker · ph · 2026-10-30 · 2 upvotes · similarity 0.64
- MyneWallet · ph · 2026-10-05 · 1 upvotes · similarity 0.64
- SpendOS Expense Tracker · ph · 2026-11-09 · 1 upvotes · similarity 0.63
- Spendalyst · ph · 2026-10-14 · 1 upvotes · similarity 0.61
- Money Tracker · ph · 2026-11-03 · 2 upvotes · similarity 0.61
- CentsCheck · ph · 2026-11-05 · 1 upvotes · similarity 0.60
- SpendNest : Expense Tracker · ph · 2026-10-26 · 1 upvotes · similarity 0.60
- WinaltTrack · ph · 2026-11-11 · 1 upvotes · similarity 0.59
The niche, labels, vibe code rating and competitor comparison on this page are analysis by Nicheloom. If you use them, please credit nicheloom.com. How you may use our data.