SpendSmart AI is an expense tracker that never asks for your bank login. Type or say what you spent and AI fills in the amount, category and date. It runs on iPhone, Android and any browser, on one account. Groups split a trip or a dinner, and friends see what they owe from a link, with no app and no account. Pro adds receipt scanning and is priced where you live: $2.99 a month in the US, ₹99 in India, £2.49 in the UK. Free has unlimited transactions and needs no card.