New, and honest about it
Smart Budget Tracker launched in 2026. We don't have a hundred thousand users or a wall of five-star reviews yet, and we'd rather say that plainly than invent them — a personal finance tool that isn't straight with you about its own numbers has a credibility problem before you've even opened it.
What we can tell you is what the app does and what it deliberately doesn't. It never asks for your bank login. It doesn't request permission to read your SMS. On the free Basic plan your data is written to your own device and stays there. The free plan has no time limit and no card requirement, so you can judge it yourself rather than taking our word.
If you use it and something is broken or missing, tell us — at this size, feedback goes straight to the person who can act on it.