Tools.
Free tools that reveal how you really spend. No signup, no cost — just instant clarity. The app does it all automatically, forever.
Spending Archetype Quiz: What Kind of Spender Are You?
Ten questions reveal your behavioral spending type. SpendTrak detects this automatically from how you actually spend — every day.
Subscription Audit Calculator: Find What You're Really Paying
List your subscriptions and see your true yearly bleed — plus the ones you forgot. The app finds these automatically from your receipts.
Free AI Receipt Scanner: Snap, Extract, Done
Upload any receipt and AI pulls out the merchant, total, items, and category instantly. SpendTrak scans every email receipt for you, on autopilot.
Daily Burn Rate Calculator: How Much Can You Spend?
See exactly how much you can spend per day to make it to payday — and the date you'll run out if you don't change course.
True Cost of an Impulse Buy: What That Purchase Really Costs
Enter any price and see the real cost — in hours of work and in what it could have grown to if invested instead.
Will Your Paycheck Survive the Month? The Collapse Predictor
Your income and spending reveal the day your money runs out. SpendTrak warns you 5–7 days before the end-of-month collapse.
50/30/20 Budget Calculator: Split Your Income Instantly
Enter your income and get your needs, wants, and savings split in seconds — with an honest look at whether the rule fits your life.
Money Trigger Test: Which Emotion Drives Your Spending?
Stress, boredom, celebration, anxiety — discover which of the seven emotional triggers empties your wallet most.
Doom Spending Test: Are You Spending Out of Dread?
Doom spending is buying because saving feels pointless. Take the test to see how strong the pattern is in you.
Bank Statement Analyzer: Upload It, Understand It
Upload a statement and AI categorizes every transaction, surfaces patterns, and flags waste. SpendTrak does this continuously, not once.
QUANTUM-Lite: Ask the Money AI Anything
Describe your spending or paste a few numbers and get a behavioral read on your habits. Unlimited inside the SpendTrak app.
Roast My Spending: An Honest (Brutal) Breakdown
Upload your spending and let the AI tell you the truth — no sugar-coating. Funny, shareable, and a little too accurate.
Money Wrapped: Your Year in Spending, Visualized
Turn a year of spending into a shareable, Wrapped-style story. See your top categories, merchants, and money personality.
No-Spend Challenge Generator: Build Your Own Reset
Get a custom no-spend challenge tailored to your weak spots, with a tracker you can actually stick to.
Savings Goal Visualizer: See Your Finish Line
Set a goal and your monthly contribution, and watch the timeline and completion date appear. The app tracks it in real time.
These tools show a snapshot.
The app changes the picture.
Every tool here runs once. SpendTrak runs forever — automatically, in the background, on your real money. Free on iOS and Android.