Optiexpense
OPTIZENCE LLC · Finance
Independent analytics for this App Store listing. AppTracker is not affiliated with OPTIZENCE LLC.
Chart standing · US
What changed · US
Listing changes AppTracker has observed for this app in this storefront — new versions, price moves, rating shifts, and store copy.
Your biggest update yet — and everything still runs privately, on your device. CARDS & WALLET • Add your cards to track credit utilization, spend-by-card, and statement reminders. Metadata only — no card numbers, no CVV, no payments. INVESTMENTS • Track stocks, funds, and crypto holdings with live price refresh and gain/loss — folded into your net worth. SMARTER BUDGETING • Zero-based budgeting: give every dollar a job with "left to assign." • Roll over unspent budget into next month. • Planned one-off items (a bonus, a big repair) now fold into your cash-flow forecast. TAX, DONE AS YOU GO • Mark deductible amounts, VAT/tax paid, and tax withheld right when you log a transaction — and export it all at tax time. MONEY COACH • Ask AI and Money Coach are now one place — a single, context-keeping chat that answers "can I afford this?" and runs what-if scenarios, grounded in your real numbers. • Set up your whole plan by describing your finances in plain language. SHARE WITH YOUR PARTNER • Share a single split expense with a partner over iCloud — invite-only, private, and it syncs when either of you settles up. FASTER CAPTURE • Scan barcodes and payment QR codes. • Better receipt and email reading, with on-device translation for non-English messages. COMPLETE ICLOUD BACKUP • Back up and restore everything — transactions, cards, investments, budgets, tax settings, and your profile — securely to your private iCloud. POLISH • Redesigned tab bar and colorful category icons, a tap-to-reveal amount keypad, edge-to-edge headers, and a manual exchange-rate override. As always: all AI is on-device. Your financial data never leaves your iPhone.
Price & rating history · US
Reconstructed from the listing changes AppTracker has observed in this storefront. A field is charted once it has changed more than once, and each line starts at the value it moved from.
Average rating · ★ 5.00 now · 3 changes on record
In-app purchases · US
What this app sells inside itself, grouped by kind and priced for this storefront.
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About
Optiexpense — Private Finance Know exactly how much you can spend today. Optiexpense shows a real-time "Safe to Spend" number — your income, minus upcoming bills, minus debt payments, minus a safety buffer. No guessing. No spreadsheets. Everything runs on your iPhone. No account, no sign-in, no tracking, and no subscription. Your financial data never leaves your device, with an optional private backup to your own iCloud. SAFE TO SPEND, IN REAL TIME See what's truly free to spend after your commitments — updated the moment you add income, a bill, or an expense. AUTOMATIC CAPTURE (NEW IN 2.0) • Bank SMS is read on-device by a Message Filter extension and turned into transactions — across more banks and countries. • Email receipts are parsed from an account you connect. • Smarter on-device AI understands the merchant, the amount, and whether it's income or an expense. SMART ANALYTICS • Category-colored spending donut and a clear income-vs-spend overview. • On-device AI insights that spot trends and over-budget categories. • Weekly and 90-day views. PLAN & STAY ON TRACK • Budgets with per-category pace tracking and early over-budget warnings. • Recurring bills and subscriptions with reminders. • Cash-flow forecast projecting your balance 30–90 days out. DEBT & NET WORTH • Track what you owe and what you're owed, with interest-cost insights. • See assets vs liabilities and your net worth at a glance. MONEY COACH (NEW IN 2.0) Ask "can I afford this?" and get grounded, on-device answers based on your real numbers. A nightly coach summarizes your spending habits and nudges you toward your goals. PRIVATE BY DESIGN • Face ID / Touch ID app lock (new in 2.0). • On-device processing with Apple Intelligence, plus a built-in fallback so every feature works on older iPhones too. • No ads. No trackers. No data selling. Free to try for 14 days, then a single one-time purchase unlocks everything — no monthly fees.
What's new · 2.5
Your biggest update yet — and everything still runs privately, on your device. CARDS & WALLET • Add your cards to track credit utilization, spend-by-card, and statement reminders. Metadata only — no card numbers, no CVV, no payments. INVESTMENTS • Track stocks, funds, and crypto holdings with live price refresh and gain/loss — folded into your net worth. SMARTER BUDGETING • Zero-based budgeting: give every dollar a job with "left to assign." • Roll over unspent budget into next month. • Planned one-off items (a bonus, a big repair) now fold into your cash-flow forecast. TAX, DONE AS YOU GO • Mark deductible amounts, VAT/tax paid, and tax withheld right when you log a transaction — and export it all at tax time. MONEY COACH • Ask AI and Money Coach are now one place — a single, context-keeping chat that answers "can I afford this?" and runs what-if scenarios, grounded in your real numbers. • Set up your whole plan by describing your finances in plain language. SHARE WITH YOUR PARTNER • Share a single split expense with a partner over iCloud — invite-only, private, and it syncs when either of you settles up. FASTER CAPTURE • Scan barcodes and payment QR codes. • Better receipt and email reading, with on-device translation for non-English messages. COMPLETE ICLOUD BACKUP • Back up and restore everything — transactions, cards, investments, budgets, tax settings, and your profile — securely to your private iCloud. POLISH • Redesigned tab bar and colorful category icons, a tap-to-reveal amount keypad, edge-to-edge headers, and a manual exchange-rate override. As always: all AI is on-device. Your financial data never leaves your iPhone.
Details