OptiExpense answers the one question budgeting apps never quite do: how much can I actually spend today? It shows a real-time "Safe to Spend" number — your income, minus upcoming bills, minus a safety buffer — and coaches your money with an on-device assistant. No account, no sign-in, no tracking, no subscription. Your financial life stays on your phone.
A single honest number that updates the moment you add income, a bill, or an expense — no guessing, no spreadsheets.
Reads bank SMS and email receipts on-device and turns them into transactions, understanding the merchant and amount for you.
Category spending, income-vs-spend, trends, and over-budget warnings, with a cash-flow forecast 30–90 days out.
Ask "can I afford this?" and get a grounded answer based on your real numbers, plus nightly nudges toward your goals.
Everything is processed on your iPhone with an optional backup only to your own iCloud — no ads, no trackers, no data selling.
Nothing to sign up for and no monthly fee — a single one-time purchase unlocks everything.
Uses on-device intelligence where available, with a built-in fallback so every feature works on older iPhones too.
Tell us what you're building. No sales pitch — just an honest conversation about the shortest path to shipping it.