πŸ› οΈ Active Development ReceiptOptic is currently in active development. Features and user interface layouts may evolve as we refine performance.

ReceiptOptic: Premium Financial Intelligence for Windows, macOS, Android & iOS

Automate your expenses with secure Cloud AI, visualize your spending with 3D analytics, and stop subscription price-hikesβ€”all with local-first encryption.

ReceiptOptic bank account and investment linking mockup

πŸ”’ Bank login secured by Plaid β€” never seen by ReceiptOptic

Security & Privacy

Your financial data is protected at every layer, both on your device and in transit.

Encrypted Local Storage

Your receipt databases, scanned images, and budget configurations are stored locally on your device. Local databases are fully encrypted and protected using SQLCipher, secured by your user password.

Encrypted Cloud Sync

If you choose to enable optional cloud synchronization, your database is securely synced between your devices via a private Supabase instance using industry-standard SSL/TLS encryption.

You Control Your Data

All local data resides on your device and is deleted if you uninstall the application. You can also delete your entire account and all associated cloud data instantly from the Settings screen.

Your Bank Login Stays With Plaid

When you link a bank account, your credentials are entered directly into Plaid's secure interface β€” never ReceiptOptic's app or servers. We only receive a secure token from Plaid to sync your transactions, never your bank username or password.

Packed with Smart Utilities

ReceiptOptic runs locally on your PC and mobile devices, bringing lightning-fast analytics to your personal and business finance ledger.

Banking & Investments

Bank Link & Account Aggregation

Securely connect checking, savings, credit, and investment accounts via Plaid. See linked balances and transactions side-by-side with your scanned receipts in one Bank Link dashboard.

Investment Holdings & Growth Simulator

View your linked brokerage holdings broken out by asset class, then use the built-in growth simulator to project how monthly contributions could grow your balance over time.

AI Cash Flow Forecasting

Reconstruct your recent cash flow and get automated 30, 60, and 90-day balance projections based on your linked account activity.

Subscription Price-Hike Detection

Automatically surface recurring subscription charges on your linked accounts and get flagged the moment a service quietly raises its price.

Receipt-to-Bank Reconciliation

Automatically match your scanned receipts against linked bank transactions, so your itemized purchases reconcile with what actually hit your account.

Fraud & Double-Billing Scanner

Ensure billing accuracy with a proprietary security engine designed to flag double charges within 24 hours or sudden transaction spikes.

Budgeting & Tax Tools

IRS Schedule C & Tax Savings

Automatically map itemized business expenses to Schedule C tax lines. Track YTD tax deductions and view estimated self-employment tax savings in real-time.

Budgets & Savings Goals

Set category budgets and link savings goals to your accounts, then track progress in real time as your budget and linked balances update.

Auto-Categorization Rules Engine

Save a categorization rule straight from any receipt review, and future purchases from that vendor are automatically tagged with the right category and business classification.

Smart Automation & Insights

Cloud AI-Powered Receipt Scanning

Snap a photo and secure cloud AI extracts vendors, items, and taxes automatically. Saved vendor rules apply a fast-track categorization for merchants you've scanned before, and receipts scanned while offline are safely queued and processed the moment you're back online.

Category, Store & Trends Analytics

Drill into your spending by category, by store, or over time with interactive trend views that reveal exactly where your money goes.

Warranty & Return Tracker

Keep track of active warranties and return periods. Receive notifications before warranties expire and never miss a return deadline again.

Hybrid Privacy Architecture

Benefit from the speed of local-first encryption while enjoying seamless, bidirectional cloud sync between your PC and Mobile devices via Supabase.

Biometrics & Lock at Launch

Every session starts locked. Unlock securely using native Windows Hello (PIN, Face, or Fingerprint) or your account password before your finance ledger is ever shown.

Fully Adaptive Layouts

Designed for the modern workspace. Seamlessly transitions between mobile, tablet, and desktop views with an interface that scales to your screen size.

ReceiptOptic PC App Spending Dashboard Mockup

A Unified Financial Command Center

ReceiptOptic gives you a command center for budget tracking. Manage personal info profile settings, YTD tax summaries, and budget goals inside a modern, private workspace.

🎨 Interactive 3D Analytics

Visualize your spending with high-fidelity 3D doughnut charts and adaptive legends. Monitor your "Interest Burn" and daily net-worth trends in real-time.

πŸ’Ό IRS-Ready Records

Export your receipt history as a CSV spreadsheet, a PDF expense report, an IRS Schedule C PDF, or a ZIP archive of audit-ready receipt images.

🏠 Utilities & Housing Tracker

Master Your Fixed Costs: Automatically detect and categorize recurring bills including Cell Phone (Verizon/AT&T), Internet (Xfinity/Comcast), Electric, and Mortgage payments in our dedicated Utilities & Housing tracker.

Spending Insights, Sliced Your Way

Drill into Category, Store, or Trends tabs to see exactly where your money goes, with a side-by-side spending breakdown and every associated receipt linked right below it.

ReceiptOptic Analytics screen showing category spending breakdown and associated receipts
ReceiptOptic mobile app dashboard on a smartphone, showing the bottom tab bar for Dashboard, Activity, Scan, Insights, and Profile

A Real Mobile App, Not a Shrunk-Down Website

ReceiptOptic is natively designed for Android and iOS, with a bottom tab bar for one-thumb navigation between Dashboard, Activity, Scan, and Insights. It feels like it belongs on your phone, because it was built for it.

ReceiptOptic Tax Summary screen showing Schedule C category mapping, YTD deductions, and estimated tax savings

Your Schedule C, Basically Done For You

Every deductible transaction is automatically mapped to the right Schedule C line, so your YTD deductions and estimated self-employment tax savings stay accurate without a spreadsheet in sight.

Budgets That Actually Fit Your Income

Set category budgets using recommended spending percentages, then watch your financial health score update in real time as your linked accounts and savings goals track against them.

ReceiptOptic Budgets screen showing category budgets, recommended percentages, and financial health tracking

Experience the Local Scanner

ReceiptOptic recognizes standard receipts instantly using signature override indices, bypassing API keys and networks entirely.

This interactive demo simulates the scan flow using sample data β€” select one of the mock receipts below to load it into the simulator, then click Scan Loaded Receipt to see how the results screen works. It does not run the live OCR engine.

Select a Receipt:
QUICKSTOP GAS #104
UNLEADED FUEL$30.00
COFFEE & DONUT$6.00
TOTAL$36.00
πŸ“₯

Scan Loaded Receipt

Click here to scan selected receipt

πŸ”’

Calculating file signature...

Local Offline Override Engine

Scan Successful

MATCH (Override)
Wawa
2026-06-10
$36.00
Credit Card
$36.00
Total
πŸ”’ Local Override Executed (No API Request)
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Frequently Asked Questions

Answers about how ReceiptOptic handles offline access, sync, receipt scanning, taxes, and your data.

Is there a good alternative to Copilot Money for offline expense tracking?

ReceiptOptic is built offline-first: you can scan and log receipts even without a connection, and anything captured while you're offline is safely queued locally and processed the moment you're back online. Your receipt database and scanned images stay encrypted on your device using SQLCipher, so your expense history is available and secure whether or not you have signal.

Does ReceiptOptic sync automatically like Monarch Money?

ReceiptOptic offers optional cloud synchronization that keeps your data updated across your devices automatically once enabled, using a private Supabase instance secured with SSL/TLS encryption. Sync is opt-in β€” your local encrypted database is always the source of truth on each device, and you can turn cloud sync on or off at any time from Settings.

How does ReceiptOptic scan and read my receipts?

Snap a photo of any receipt and ReceiptOptic's cloud AI automatically extracts the vendor, line items, and tax amounts. Saved vendor rules speed up categorization for merchants you've scanned before, so recurring purchases get sorted in seconds.

Can ReceiptOptic help with Schedule C and business tax tracking?

Yes. ReceiptOptic automatically maps itemized business expenses to IRS Schedule C tax lines and tracks your year-to-date deductions, giving you a real-time estimate of self-employment tax savings as you scan receipts throughout the year.

Is it safe to link my bank account through Plaid?

When you link a bank or investment account, your login credentials are entered directly into Plaid's secure interface β€” never into ReceiptOptic's app or servers. ReceiptOptic only receives a secure token from Plaid to sync balances and transactions, so your bank username and password are never seen or stored by us.

Where is my data stored, and is it encrypted?

Your receipt databases, scanned images, and budget configurations are stored locally on your device and fully encrypted with SQLCipher, protected by your user password. If you ever uninstall the app, that local data is removed with it, and you can permanently delete your account and any associated cloud data instantly from the Settings screen.

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Need Help or Have Feedback?

Whether you have a feature suggestion, bug report, or need support with cloud sync, feel free to reach out directly.

βœ‰οΈ Email: support@receiptoptic.com

We typically respond within 1 business day.

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Install ReceiptOptic

Add this app to your home screen for quick offline access.