What is OwlSpend?
OwlSpend is an AI expense tracker that turns your receipts and everyday spending into a categorized expense log automatically, so you don't have to type each transaction in by hand. It's available as an iOS/Android app and a web dashboard, all synced to the same account.
Is OwlSpend a free online expense tracker?
Yes. Manual entry, categories, budgets and reports are free to use with no time limit. A Pro tier adds automatic SMS/email capture, receipt-photo scanning and mileage tracking for people who want the fully hands-off version — but you can track every expense on the free tier alone.
How does automatic expense capture work?
With Pro, OwlSpend's AI automatically tracks your expenses — extracting the merchant, amount and date, and filing it into the right category — usually before you've even opened the app. You can always edit, re-tag or delete an auto-tracked entry.
Is OwlSpend a good app for tracking expenses on the go?
Yes — OwlSpend is a native online expense tracker app for iOS and Android, plus a full web dashboard. Log a cash purchase from your phone at lunch and it's on your laptop dashboard by the time you're back at your desk, since everything syncs in real time.
Does OwlSpend support multiple currencies?
Yes. OwlSpend works as a global online expense tracker: each transaction is stored in the currency you actually paid in, and converted to your base currency for totals and reports — useful for travel, freelancing across countries, or bills charged in a foreign currency.
What makes OwlSpend the best online expense tracker for automatic tracking?
Most expense trackers are digital notebooks — you still type every transaction. OwlSpend's AI does the data entry for you automatically, and budgets flag an overspend trend early instead of just totaling it up at month end. That's the gap it's built to close versus manual-entry tools.
Is my financial data private and secure?
OwlSpend never asks for banking credentials or card numbers. Bank SMS and email parsing is handled on OwlSpend's own servers — never shared with advertisers or third parties. Receipt images are parsed by our AI service to extract the details automatically. Your data is stored per-account with row-level security, and you can delete everything anytime. See the Privacy Policy for full details.
Can I use OwlSpend for business expenses or mileage?
Yes — Pro includes mileage tracking for tax-deductible driving and shareable reports you can hand to an accountant, alongside category budgets for tracking business spend separately from personal.
Can I cancel or get a refund on OwlSpend Pro?
Yes. OwlSpend Premium comes with a 14-day money-back guarantee, and you can cancel auto-renewal anytime from account settings. See the Refund Policy for the full process.