No bank login
Spend Scout is manual-first, so it works without bank credentials, account scraping, or a third-party transaction aggregator.
Spend Scout • private expense tracker
Private expense tracker for iPhone.
Spend Scout is for people who want clarity without handing a finance app their bank login. Log spending manually, capture receipts, use Apple Pay Shortcuts, and see your Scout Forecast while your data stays under your control.
Why privacy matters
Budgeting should not require surrendering your financial life.
Local-first by design
Your spending records are created for your own awareness, without a bank login or cloud account requirement.
Forecast before regret
The Scout Forecast shows where your month is heading so you can adjust before overspending becomes a month-end surprise.
Related guides
More Spend Scout guides.
FAQ
Private expense tracker questions.
Is Spend Scout a private expense tracker?
Yes. Spend Scout is designed around private, local-first expense tracking with no bank login, no account creation, and no cloud account requirement.
Can I still track Apple Pay?
Yes, through a user-configured Shortcuts flow that runs on your device and passes only the fields you choose. Spend Scout does not directly read Wallet history or connect to your bank.