SmartSpends App Review: Experience the next level of managing money. ~ Digipan-The Ultimate Technopedia

Budget! Budget! Budget! Who doesn’t hate budget? It’s time consuming, it’s a headache and it’s sure that many people find it difficult to handle it. It’s been said that

The money makes the world go round

Well, that may be true, but it doesn’t make managing your money any easier. Just maintain one’s own expenses is a tedious task. Day by day our expenses go on rocketing and no one has a perfect idea about their expenses.

But time has changed. Banking has become much easier now a days and everything can be accessed quickly from your fingertips. Now there are many personal finance apps available in the market that can pay your bills as well as balance your entire account without much hustle’s, just like texting your friend. So simple, right?

So today, let us review one such app. The newly launched “SmartSpends” that helps you manage money by keeping an eye on all your transactions,

DESIGN AND LAYOUT

SmartSpends-dashboard

SmartSpends is a straightforward app which possesses a very unique design and layout. Once you launch the app for the very first time, it has everything aligned vertically from A-Z. The app is very simple and is easy to use. The user interface is pretty decent. It doesn’t have any sorts of annoying ads or anything like that. The dashboard is neat and crisp. There are bright, colorful icons on the home screen that guides you over the different sections.

FEATURES

First of all, SmartSpends helps you organize all your expense category wise. The bill calendar shows all your bills in one place. Added to all these features, the “Card suggest” help you choose the best card that you can use for making a payment. It also has built in “offers” tab that gives you all the latest offers that you could get for each of your transactions. By making use of “Offers” you could even save up to 20% of your hard earned money.

HOW TO USE SMARTSPENDS

Let’s begin by the methods on how to use SmartSpends effectively. Once you launch the app from the app drawer, you are likely to see a list of menu’s. The very first among them is the “Spends”. Tap on it and it will show you the money spend during the current month. You can easily switch over different months and could access all your expenses during that particular month. It also has three other sub tabs. The categorized tab categorizes expenses into different category. The merchants tab provides details of the merchant and finally Accounts tab shows which card has been used to make the payment.

Also, Once you tap over spends, you are likely to see a “₹” symbol over the top right corner. This is an important tool. Everyone has their own regular daily expenses as well as monthly expenses. For example, your daily local transport fare or your monthly electricity bill or whatever it is. So, in order to prevent yourself from adding these regular spends again and again, you can create your own cash tracker. Once you create your cash tracker, all these spending would be automatically updated. You can add your daily or monthly regular fares here where you do not use credit or debit card.

What comes next is the Bill calendar. It displays all your bills in one place. You can even filter bills which are paid, due or delayed. It also has a smart alert system. So it’s time to say goodbye to all late fees and interest charges.

SmartSpends-Bill Calender

Just imagine you are gonna have your dinner from Taj hotel or you are gonna shop from Flip-kart or BagBazaar. SmartSpends is here to help you. The subsequent “Card suggest” feature suggests you the best card to be chosen to grab exciting price cuts.

The last tool you will find in the dashboard is the “offers”. Here, smartspends brings you the most relevant offers on places where you actually make purchases. You can browse over the vast offers available. One can also view offers based on category. The offers tool also reminds you about the offers ending in the next 7 days.

SmartSpends-Offers

HOW DOES SMARTSPENDS WORK?

SmartSpends identifies all your transaction alert messages from your inbox and extracts only relevant information like amount, merchant, date etc. This is where SmartSpends outshine others. It does not require any manual input from your side or upload bank passwords.

NOTE:

Smartspends never tracks your personal messages
SmartSpends never tracks your bank statements.
SmartSpends never tracks your confidential details such as CVV number or passwords except the last 4 digits of your credit/debit card.

OVER ALL EXPERIENCE

To be honest, I really love this app. I have been using SmartSpends app for around one week and I have a very high and positive opinion about its usefulness. I could get everything in one place. Also, everything was automated. Although there are some short comes, the app is neat and clean.

While I was reviewing, I was searching for features that lacks in this app and I found that the app would be nice, if at the end of every month, the app provides sufficient details on where to control expenses so that one could save more money. But to my surprise, when I talked about this to the developers team, they told me that they were working on it and this feature would be live from next update on-wards which are super personalized and insightful.

Also coming updates would witness advanced features. Users could even add or remove their own financial goals to be completed in a specific interval of time.

Overall, this app could definitely keep your finance on track and is one among the best finance app available on play store.

ALSO READ: TOP 5 ANDROID APPLICATIONS THAT MAKES YOUR LIFE A LITTLE BETTER

ADDITIONAL INFO

Size: 5.2 MB

Platform: Android

Category: Finance

Requires: Android 4.0.3 or higher

Price: Free

This Article is written byGANESH SANKAR KK

Ganesh Sankar is the founder and owner of digipan. He loves sharing whatever he knows in the field of technology including how to guides, tip and tricks and much more.

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