Expense & VAT tracker for freelancers

Track expenses now. Breeze through tax season later.

SpendPouch is a private, local-first iPhone tracker built for freelancers — capture an expense by text, voice, or receipt scan, flag business, deductible and VAT as you go, and export a tax-ready pack in one tap.

Free to start · No bank sync · No account · Your data stays on your iPhone.

  • Built for freelancers
  • On-device by default
  • Business & VAT
  • No ads or analytics
SpendPouch home ledger screen showing recent expenses
SpendPouch add expense screen

Why SpendPouch

Freelancing is the work. The bookkeeping shouldn't be.

Most trackers are built for budgets and bank feeds. SpendPouch is built for the person who has to justify every expense at tax time — without handing over a bank login.

Receipts scatter, then vanish by tax time.

Proof, captured in seconds

Scan or shoot a receipt or PDF and it lands in a local vault, linked to its expense — ready for returns, warranties, and your accountant.

Sorting business vs. VAT becomes a scramble.

Tax-ready as you spend

Flag an expense business, deductible, and set its VAT rate in the moment — SpendPouch keeps the net · VAT · gross split and monthly totals for you.

You never quite know your real number.

Profit you can actually see

Log income next to expenses and watch it become a live profit & loss — plus invoices you can issue and mark as paid.

How it works

Fast capture. Quiet review. Records you can trust.

1

Capture the moment

Type a quick note, hold to speak, or scan a receipt or PDF — whatever is fastest right then.

2

Confirm the details

Amount, merchant, category, VAT, and proof stay editable. Nothing becomes a record until you say so.

3

Keep the trail

Receipts, recurring items, reminders, and exports stay organized — without turning into a heavy dashboard.

Built for freelancers

Mark what's business. Capture the VAT.

Flag an expense as business or tax-deductible and set a VAT rate — SpendPouch fills the inclusive tax automatically and shows a clear net · VAT · gross split. Monthly totals live in Insights, ready for your records.

  • Business flag
  • Deductible
  • Configurable rates
  • Net · VAT · Gross
SpendPouch expense flagged as business and tax-deductible with a VAT split

Proof, OCR & optional AI

Receipts and PDFs, right by the expense.

Scan with the iOS document scanner and review the on-device OCR. Prefer a shortcut? Optional AI Assist reads the extracted text to draft the amount, VAT, and merchant — you confirm every field, and your receipt images and PDFs never leave the device.

  • On-device OCR
  • Optional AI draft
  • Receipts & PDFs
  • Review before save
SpendPouch receipt and PDF vault

Get paid & stay ready

The freelancer workflow, finished.

Beyond tracking, SpendPouch closes the loop from spending to getting paid to handing everything to your accountant.

Invoicing

Issue invoices, set due dates, and mark them paid — booking cash-basis income automatically.

Income → Profit & Loss

See income against expenses as a clear profit & loss, so you always know what you actually earned.

Accountant export pack

Export one zip — a tax-column CSV, a profit & loss summary, and every receipt in range.

One ledger, everything in it

Low-friction in. Organized out.

Custom categories

Add your own with a name, icon, and color.

Voice capture

Hold to speak; Apple speech recognition drafts an editable entry.

Recurring & reminders

Track repeats and get warranty or return nudges.

Advanced search

Find any expense, merchant, or receipt in seconds.

Encrypted backup

Keep an encrypted local backup you control and restore.

CSV export

Export a date range with business, VAT, and deductible columns.

Plans

Start free. Upgrade when it pays for itself.

Free

€0

Try it on your real expenses.

  • Track free — a gentle upgrade nudge around 20 expenses, never a hard cap
  • Text & voice capture with on-device OCR
  • Custom categories and a monthly summary
  • A few AI receipt scans to see VAT drafted for you

AI Assist credits

from €1.99

Optional add-on — only if you want it.

  • 100 credits · €1.99
  • 300 credits · €4.99
  • 1000 credits · €12.99
  • Pay-as-you-go on top of the Freelancer allowance — credits don't expire

Manual tracking, voice, and local OCR never cost credits.

AI Assist is optional and opt-in — it sends only on-device text (never your receipts, images, or audio) and you confirm every result before it is saved. Prices are shown in EUR; the App Store displays your local currency. No bank sync, no account required.

Privacy approach

Built for personal data, not ad data.

Your money is nobody else's business. SpendPouch keeps your records on your iPhone and asks for nothing it doesn't need.

  1. Amounts, merchants, notes, receipts, PDFs, OCR text, and exports stay on your device by default.
  2. No bank sync, no advertising tracking, no product analytics SDK, and no session replay.
  3. Voice uses Apple speech recognition and receipt OCR runs on device — your audio and images never leave your iPhone.
  4. Optional AI Assist is the one cloud step: it sends only on-device text — never receipts, images, or audio — and you review every result before it saves.
  5. Sentry handles redacted crash diagnostics only — never your financial content.