Ownspend is a private expense tracker and budget app for iPhone, iPad, Mac and Android. You log what you spend in three taps; it never asks for a bank password, needs no account, works offline, and keeps your records on your device.
Free on the App Store (version 1.4) and on Google Play (version 1.3.0) · page updated 7 November 2026
| What it is | A manual expense tracker and budget app. You enter spending yourself; nothing is pulled from a bank. |
|---|---|
| Price | Free tier that never expires. Pro: $29.99 once (lifetime), or $14.99/year or $2.99/month with a 7-day free trial. |
| Account | None for solo use. Only a Shared Wallet asks you to sign in. |
| Data | Stored on your device. No iCloud or cross-device sync. |
| Offline | Yes, fully. |
| Platforms | iPhone and iPad (iOS / iPadOS 17 or later), Mac (macOS 14 or later), Apple Watch (watchOS 10 or later), and Android (version 1.3.0 on Google Play). |
| Languages | English, Spanish, French, German, Italian, Portuguese (Brazil), Arabic |
| Maker | Moaath Othman, an independent developer · kenz@kenzapps.com |
Every category is an arc on the Spending Wheel, sized by what you have spent this month. Tap an arc to drill into it. It fills in real time as you log, so you always know where you stand.
The numeric keypad is waiting the moment you tap add. Amount, category, done — or just ask Siri. Ownspend remembers your recent amounts and categories, so the morning coffee takes seconds.
Set a monthly limit per category and watch the progress inline. Ownspend warns you as you near a limit and flags the ones you have gone over — no end-of-month surprises. Budgets, alerts and spending trends are part of Pro.
Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet syncs. It costs nothing.
Use Ownspend on your own and there is no account and no sign-in at all — your expenses live in a local store on your phone. Nothing to leak, nothing to breach. Pro can export the lot to CSV or JSON whenever you want it.
What people usually ask before they install a budget app, answered for Ownspend as it is in the App Store today (version 1.3).
Ownspend never connects to your bank. There is no Plaid, no aggregator and no bank password. You log each expense yourself in about three taps, which is also the only way cash spending ever gets counted. Typing a purchase also makes you notice it.
You don't need a subscription to use Ownspend. The free tier never expires, and Pro can be bought once for $29.99 and never renews. A subscription ($14.99/year or $2.99/month) exists for people who prefer it; it unlocks exactly the same features.
Solo use has no sign-up and no sign-in. Your transactions, budgets and goals are stored on your device, not on our servers. An account exists only if you choose to share a wallet with someone, and you can delete it in Settings.
Everything you do on your own works without a connection: logging, the Spending Wheel, budgets, history, search, CSV import and export. Log on a plane or in a basement and nothing is lost, because there is no server to wait for.
Export a CSV from your bank, or from YNAB, Copilot, Numbers or Excel, and import it free. You pick what each column means, preview every row before anything is saved, duplicates are skipped, and the whole import can be undone in one step.
Ownspend runs on Macs with macOS 14 or later from the same App Store listing, and one Pro purchase covers iPhone, iPad and Mac. Each device keeps its own records, since there is no sync; widgets, Apple Watch and Shared Wallet are iPhone and iPad only.
Ownspend Pro is a $29.99 one-time purchase: no renewal, no account, no trial countdown. It unlocks budgets and trends, unlimited categories, wallets, goals and recurring rules, and CSV/JSON export. Restore it on any of your Apple devices with the same Apple Account.
Every transaction, newest first, with nothing hidden behind a paywall. Search by keyword, filter by category, date or wallet, sort by amount.
Bring a CSV from your bank, YNAB, Copilot, Numbers or Excel. Preview first, skip duplicates, undo in one step. Free.
Your month at a glance without opening the app, on iPhone and iPad. Free.
A glance at the month, and a quick add from your wrist when your phone is in another room.
Attach a receipt photo, record where you spent it, and split one payment across several categories — half groceries, half household.
One tap turns every figure into dots. Face ID, Touch ID or a PIN keeps the app closed. Both free.
Record the charges that repeat — rent, streaming, the gym. One rule is free; Pro makes them unlimited.
Solo use needs no server at all. Log anywhere; it just works.
The free tier is genuinely useful — it is the trial. Upgrade only when you outgrow it, and if you hate subscriptions, buy Pro once and own it.
US App Store prices; your App Store shows the local price before you confirm. One purchase covers iPhone, iPad and Mac on the same Apple Account. The App Store also lists “Shared Wallets” subscriptions; you don’t need them today, because sharing a wallet with one person is free.
Private by design, not by policy. Ownspend cannot leak your bank login because it never has one, and it cannot lose your spending history in a breach because that history is not on our servers. It lives in Apple’s on-device storage on your iPhone, iPad or Mac.
Bank-syncing apps do a different job: they pull transactions in automatically, so they need an account and a subscription. Ownspend trades that automation for privacy and a one-time price.
| Ownspend | YNAB | Monarch | Copilot Money | |
|---|---|---|---|---|
| Price | Free tier; Pro $29.99 once, or $14.99/yr | $109/yr or $14.99/mo | $99.99/yr or $14.99/mo | $109/yr |
| Pay-once option | Yes | No | No | No |
| Free tier that never expires | Yes | No (34-day trial) | No (free first week) | No |
| Bank linking | Never — manual entry plus CSV import | Optional direct import (select countries) or file import | Built around bank connections | Connects to 16,000+ banks |
| Account required | No | Yes | Yes | Yes |
| Where your data lives | On your device | Their cloud | Their cloud | Their cloud |
Competitor prices are US prices from each company’s own pricing page, checked 2 November 2026: ynab.com/pricing, monarch.com/pricing, copilot.money/pricing. They change; check before you decide.
| iPhone | iOS 17 or later. Widget, Siri and Apple Watch companion. |
|---|---|
| iPad | iPadOS 17 or later, with a real iPad layout: sidebar, dashboard and history side by side. |
| Mac | macOS 14 or later, from the same App Store listing. No widget, Watch or Shared Wallet on Mac. |
| Apple Watch | watchOS 10 or later: month glance and quick add. |
| Android | Version 1.3.0 on Google Play. Pro is a one-time purchase through Google Play — no subscription, no ads. A purchase does not transfer between the App Store and Google Play. |
| Languages | English, Spanish, French, German, Italian, Portuguese (Brazil), Arabic (right to left) |
Not released until Apple approves it. This page will be updated when it ships.
No, and you can't. Ownspend never asks for bank passwords or card numbers and doesn't use Plaid or any other aggregator. You type what you spend, which is also the only way cash ever gets tracked. If you want your history from a bank, export a CSV from it and import that file.
Yes, free. Import a CSV exported from your bank or from apps such as YNAB, Copilot, Numbers or Excel. You choose what each column means, Ownspend shows every row it will create before anything is saved, rows that are already there are skipped, and you can undo the whole import in one step.
Yes. The free tier never expires and has no trial clock: the Spending Wheel, quick add, Siri, full searchable history, CSV import, the Home Screen widget, the Apple Watch app, App Lock, Hide Amounts and a Shared Wallet are all free. The free limits are 3 categories, 2 wallets, 1 savings goal and 1 recurring rule.
Either. Ownspend Pro is $29.99 once for lifetime access, which never renews. If you prefer a plan, Pro is also $14.99 a year or $2.99 a month, each with a 7-day free trial. All three unlock the same Pro features.
No. Using Ownspend on your own involves no sign-up and no sign-in screen. An account (Sign in with Apple or Google) is created only if you start or accept a Shared Wallet, and you can delete it in Settings.
Yes. Logging, budgets, history, search, CSV import and export all work with no connection, because your records are stored on your device. You need internet only to buy Pro or to sync a Shared Wallet.
Your transactions, budgets, categories, goals and wallets are stored on your device. What does leave it is not your money data: anonymous crash reports and a few product counters, as itemised in the privacy policy. A Shared Wallet syncs only that one wallet to the cloud, and only with the person you invited.
No. Ownspend is local-first and has no iCloud sync, so each device keeps its own records. A Pro purchase unlocks Pro on all three with the same Apple Account, and you can move your data yourself by exporting a CSV (Pro) and importing it on the other device (free).
Yes. Ownspend runs natively on Macs with macOS 14 or later, from the same App Store listing as the iPhone and iPad app. The Mac version has no widgets, no Apple Watch pairing and no Shared Wallet.
Yes, free. A Shared Wallet is shared with one other person: you both see every expense as it's added, and who added it. Only that wallet syncs; your personal wallets, budgets and goals stay on your device. Shared Wallet is available on iPhone and iPad.
Yes, both free. Hide Amounts replaces every figure with dots in one tap, so someone can look at your screen without seeing your finances. App Lock requires Face ID, Touch ID or a PIN to open the app, and hides your balances in the app switcher.
Full editing (amount, category, date, note, place and wallet) is in Ownspend 1.4, which is with App Review now. In the current version 1.3 you can delete an entry and add it again, and change how a split payment is divided.
Yes. Ownspend is on Google Play as version 1.3.0, and the Android version numbering is its own line, not the iPhone's — 1.3.0 already has the Money Map, wallets and a free Shared Wallet with one other person. What it does not have yet is bank-file (CSV) import and receipt scanning. Pro on Android is a one-time purchase through Google Play, with no subscription and no ads, and a purchase does not transfer between the App Store and Google Play.
English, Spanish, French, German, Italian, Portuguese (Brazil) and Arabic, with a full right-to-left layout in Arabic.
Yes. Ownspend was called ClearSpend until August 2026, which is why this page lives at /clearspend/. Existing data and Pro purchases carried over unchanged. It is not related to NatWest Group's ClearSpend card apps.
More detail: Privacy Policy · Terms of Use · questions to kenz@kenzapps.com.
Ownspend is built by Moaath Othman, an independent iOS developer who publishes a small family of local-first apps under Kenz Apps. No investors and no ad network: the app is paid for by the people who choose Pro.
Found a bug or want a feature? Email kenz@kenzapps.com — a person reads every message.
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