Spendwise keeps everything you enter on your device. The developer does not receive, collect, store, sell or share your data. There is no account, no servers, no analytics, no advertising and no third-party SDKs, and the app does not need an internet connection to work. Spendwise never connects to your bank. The app is sold as a one-time purchase through the App Store; Apple handles payment.
Only what you enter or choose: accounts (name, type, currency, balance when you created it), transactions (amount, date, category, merchant or description, notes, optional receipt photo), categories, budgets, recurring transactions, the exchange rates you set by hand, and your settings. This is financial information. It is stored in a file inside the app's private storage, protected by iOS data protection while your device is locked.
If you turn on notifications for a budget and allow them in iOS, Spendwise sends a local notification on your iPhone when a transaction you save pushes that budget past the threshold you chose. It is created by iOS on your device; nothing is sent over the internet. Notification text includes the category name and amounts, which may be visible on your Lock Screen.
If you turn on the lock, Spendwise asks iOS to verify you. iOS performs the check; Spendwise never receives or stores your face, fingerprint or passcode, only whether the check succeeded.
If you attach a receipt, you choose the picture with the system photo picker. Spendwise only receives the picture you choose, keeps a compressed copy inside the app and does not access the rest of your library.
Nothing leaves your device unless you decide. In Settings you can export transactions (CSV), a monthly report (PDF) and a full backup file (JSON, including receipts). These files are created on your iPhone and handed to the destination you choose in the iOS share sheet (Files, AirDrop, Mail or another app). Spendwise cannot control what that destination does with them, and the files are not encrypted, so share them only with people and places you trust. To import a CSV or restore a backup you select a file with the system file picker; the file is read on your device only. Like any app, Spendwise's data is also part of your iPhone backup (iCloud or computer) if you have device backups turned on; that backup is managed by Apple under your Apple Account.
Spendwise never contacts an exchange-rate service. If you use several currencies, you type the rates yourself.
Notifications (optional), Face ID (optional) and the photo picker (optional). No location, contacts, microphone, camera, bank access or tracking.
Use Delete all my data in Settings, or delete the app. The developer holds no copy and cannot recover your data. Export and backup files you created yourself stay wherever you saved them until you delete them.
Spendwise does not collect personal information from anyone, including children.
Spendwise is a bookkeeping tool. It does not give financial, tax or investment advice.
Last updated: 29 October 2026. Developer: Jordi Milla Catalan. Contact: jmillacatalan@gmail.com