I built SpendSmart because every budgeting app I tried wanted bank access, or buried me in features I never used. So I made something simpler: log spending manually, see clean category breakdowns and trends, keep your bank info out of it entirely. I've used it daily since building it — first tracker that's stuck for me. Free tier covers the basics. Pro ($4.99/mo or $39/yr) adds full history, analytics, exports, and recurring templates. Built solo. Feedback welcome!