Get in touch

hello@uspenditrack.com Privacy policy Support & FAQ

Built in Singapore. No account, no server, no newsletter.

Coming to iOS & Android

Your spending, read entirely on your phone.

Every other spending tracker asks you to connect your bank. UspendItrack asks for a statement — and never asks for anything else.

Zero servers No backend, no account, no sync. There is nothing to breach, because there is nothing there. 5 banks parsed DBS, OCBC, UOB, Citibank and PayLah statement PDFs, read on the device. Any other bank via CSV. $5.99 once Five imports free, then one purchase forever. No subscription, and CSV export is never gated.

See how it works Three steps, none of which involve us

How it works

Three steps, none of which involve us.

The entire loop runs on the device in your hand. There is no step where your data crosses a network, because there is no network code that could carry it.

Open a statement

Pick the PDF your bank already gives you. The app reads it on the phone — no upload, and no OCR service in the middle.

It sorts itself out

Transactions are categorised, grouped by merchant and summarised by month. Re-importing a statement you already have adds nothing.

See where it went

Dashboard, monthly view, cashflow heatmap, category breakdowns, budgets, and subscriptions worked out from your own history.

What it does

A full spending tracker, with the cloud removed.

Dropping the server was the only compromise. Everything else is here.

Statement PDFs, parsed on device

Built-in support for common Singapore formats including DBS, OCBC, UOB, Citibank and PayLah. Every import is checked against the total printed on the statement, so you find out when something did not add up.

Any other bank, via CSV

Export CSV from your bank and import that. If the headers are unfamiliar, the app asks which column holds the date, the description and the amount — then remembers it for next time.

Bulk editing

Select many transactions and recategorise, annotate or mark them recurring in one go.

Recurring & subscriptions

Group a recurring expense that arrives under a different name each month, and see what it really costs a year.

Budgets per category

Set a plan, compare month to month, and see what is left before the month ends rather than after.

Card spend and rewards

Spending broken out by card, with the cashback and miles rates you set yourself.

Snapshots you can restore

Taken automatically as well as on demand, and kept on the device with everything else.

The claim, stated precisely

There is no server to trust, so you do not have to trust us.

The app contains no code that transmits financial data anywhere. There is no backend, no account, no sync, no analytics and no crash reporting. The only network activity in the binary is Apple's and Google's own purchase verification, which sees a product identifier and nothing else.

Your ledger is excluded from iCloud and Google device backup, so it does not reach your own cloud account either. On Android that is checkable from the listing itself: the app ships no internet permission beyond what the store's billing library requires.

This page carries no analytics, no fonts and no third-party scripts, for the same reason. The 3D above is a few kilobytes of hand-written shader.

Pricing

One purchase. No subscription.

The purchase gates importing beyond five statements, and nothing else — ever. Viewing, editing, categorising, budgets, reports and CSV export are free on both tiers.

Free

Five statement imports

Every screen and every feature
Full editing, rules and budgets
CSV export, unrestricted
Anything already imported stays usable forever

Unlimited Imports

$5.99

One-time purchase, permanent

Import as many statements as you like
Works offline once purchased
Restores on a new device, no account
No renewal, no upsell

Questions

The awkward ones, answered.

What happens when I get a new phone?

It starts empty. Because nothing is stored in a cloud, your data moves across by exporting CSV on the old phone and importing it on the new one — a minute's work, and no account required. That is the cost of the promise, and we would rather state it here than have you discover it later.

My bank is not in Singapore. Does it work?

Through CSV, yes. The built-in PDF parsers cover common Singapore formats; a statement from an unfamiliar bank may still parse, but CSV is the path that reliably works everywhere. The app tells you plainly when it cannot read a PDF rather than importing something wrong.

Can you look at my data to help with a problem?

No — and that is the point of the app rather than a limitation of the support channel. Your data only exists on your phone. Please do not email statements or screenshots containing real transactions.

Is my statement uploaded anywhere to be read?

No. The PDF is parsed by code running inside the app on your device. There is no OCR service, no AI model and no server involved. Categorisation is rules-based and also runs locally.

Why is there no free trial of unlimited imports?

Five free imports is the trial. It is enough to load several months of statements and see real charts before deciding, and whatever you import in that window stays fully usable whether or not you ever buy anything.