Comparison

MSX for iPad vs Spent.

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MSX for iPad

Features
Read full description

• Market summary on the Indices and listed companies. • Multiple watch lists to keep track of your favorite stocks. • Portfolio tracking includes tracking Gains/loss. • Top stocks information, including the top gainers, losers, and most-traded stocks. • Detail quote for symbols giving you a snapshot of a symbol's performance. • Market depth information by price and by order. • Real-time news. • Intraday and historical charts with technical analysis. • Set price alerts to be notified of price changes for your favorite stocks.

About

Spent.

This private expense tracker uses on-device AI to log spending, scan receipts, and provide instant answers about your finances. Set monthly budgets and track your money without an account or cloud storage.

Highlights
  • On-device AI expense tracking
  • Receipt scanning with AI extraction
  • Natural language logging
  • Monthly budgeting per category
  • Instant spending insights
  • No account or cloud required
  • Multi-currency support
Features
Read full description

A private expense tracker that lives on your iPhone. Log spending by hand, from a receipt or straight from Apple Pay, and ask Lil Bit what you spent. No account. No cloud. No tracking. Meet Lil Bit, the little bookkeeper inside Spent. Ask "how much at Target last month?" and the total is there in a second. Lil Bit is free and answers from what you've recorded, right on your phone. ASK LIL BIT (FREE) • "How much on food this month?" Any category, any period • "How much at Target last month?" One merchant • "Compare this month and last" • "What was my biggest expense last month?" • "How much did I put on my Amex last month?" • "What's my monthly average?" Full months only • "Am I over budget?" Limit, spent and what's left • "What's my balance across accounts?" APPLE'S ON-DEVICE MODEL With AI Unlock, Spent. reads your receipts, turns "lunch 12" into an entry, imports screenshots of your bank or e-wallet history, and suggests categories for new captures. On iPhone 15 Pro or later running iOS 26 or later with Apple Intelligence on, this runs on Apple's on-device model, with nothing to download. Other iPhones download Spent.'s model once (3.6 GB). Either way it all happens on your phone, and you check every entry before it saves. APPLE PAY CAPTURE (FREE) Add the shortcut in Settings > Apple Pay Capture. Each time you pay with Apple Pay, the purchase waits in your review list with the merchant and amount filled in. Approve them one at a time or all at once. BANK NOTIFICATIONS (FREE, iOS 27) Your bank already tells you when you've paid. Show Spent. one real notification by tapping the amount and the merchant, and every payment after that lands in your review list. No bank login, no connection to your bank, no server. BUDGETS Set a monthly limit for any category and Insights draws a quiet bar under it, so you can see under, near or over at a glance. Per currency, and included in your backups. WHAT ELSE YOU CAN DO • Track expenses, income and transfers across accounts • Multi-currency: each account keeps its own currency, with no conversions • Insights by category and merchant, month over month • Scan receipts with on-device text recognition for free; AI Unlock fills in the details • Rename a bank's merchant once and Spent. remembers it • Recurring transactions, duplicate detection and merchant memory • Home Screen widget to log, scan or ask in one tap; it shows no data by design • Privacy mask hides every balance with one tap • Siri and Shortcuts • Full backup and restore, any time PRIVACY BY DESIGN Spent. has no server and no account. Nothing is collected, so there is nothing to leak. The AI runs on your iPhone and never uses Private Cloud Compute. Your receipts, balances and habits stay with you. Free: manual tracking, Lil Bit chat, Apple Pay capture, bank notifications, receipt scanning, budgets and insights. AI Unlock is a single one-time purchase for AI receipt reading, typed entries, screenshot import and AI suggestions. No subscription, ever. Your expenses, tracked privately.

Screenshots

Spent.4 screens

Verdict

The call

The clearest difference is in-app purchases: MSX for iPad at none against Spent.'s 1. MSX for iPad also leads on iOS requirement (8.0 vs 18.6). Spent.'s advantage is update cadence (every 10 days vs every 23 months). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spent. sells 1 one-off in-app purchase. MSX for iPad asks for nothing beyond the download.

UpkeepUpdate frequency

MSX for iPad ships an update every 23 months, Spent. every 10 days. The most recent releases landed on October 17, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 6 level
MSX for iPad versus Spent.: the parameters behind the verdict, then further details
ParameterMSX for iPadSpent.
PriceFreeFree
Rating—3.0 (2 ratings) — better
Number of ratings—2 — better
Update frequencyEvery 23 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPadiPhone, iPad — better
Requires iOS8.0 — better18.6
Further details — not scored
Size27 MB34 MB
Age rating4+4+
DeveloperMuscat Securities MarketChee Leong CHONG

In-app purchases

None

MSX for iPad

No in-app purchases

1 purchases

Spent.

One-time1
  • AI Unlock$4.99

Questions

Is MSX for iPad free?
MSX for iPad is free to download, with no in-app purchases.
Is Spent. free?
Spent. is free to download, with in-app purchases available.
Do MSX for iPad or Spent. have ads?
Neither MSX for iPad nor Spent. shows ads.
Which is updated more often, MSX for iPad or Spent.?
MSX for iPad ships an update every 23 months, and Spent. every 10 days. Most recently, MSX for iPad was updated on October 17, 2026 and Spent. on October 25, 2026.

Other comparisons