Lucra vs Koinx

Track subscriptions, bills, and all your recurring money in one place. Lucra is the all-in-one subscription tracker and bill organizer that shows your financial life in real time — second by second — without ever asking for your bank password. Why Lucra Most finance apps demand your bank login. Other subscription trackers are iOS-only or charge their own monthly subscription. Lucra stores everything locally on your device, and the Pro upgrade is a one-time purchase — not another recurring bill. Subscription & Bill Tracking Track every subscription: streaming, apps, gym, SaaS, anything recurring. Organize bills: rent, mortgage, utilities, insurance, phone. Get renewal reminders before free trials end and bills renew. See annual spending totals so you know exactly what subscriptions cost. Identify unused subscriptions immediately with built-in cancellation guides for popular services. Real-Time Money Tracking Ever wonder how much you earn per second? Lucra calculates it live: per-second, per-minute, per-hour income and expense rates. Watch your subscriptions and bills accumulate in real time. See exactly how much you have earned or spent until now today. Complete Financial Dashboard Track income from salary, freelance, side hustles, and investments. Monitor daily spending, shopping, dining, and transportation. Set savings goals with real-time projections. View monthly and yearly net summaries with income vs expense breakdown in visual charts. Privacy by Design No bank account linking ever. All data stored locally on your device. No personal data collection or third-party analytics. Works offline. Six Languages English, Spanish, German, French, Italian, Portuguese. Lucra Pro: One-Time Purchase Free: up to 5 balances with all core features. Pro: unlimited balances — one payment, forever. No subscription to track subscriptions.

Koinx helps you track expenses with AI, understand your money, and build better habits with daily missions. Meet Koi, your AI money coach that helps you stay on top of your finances without the usual overwhelm. Log transactions in seconds, ask questions about your money, and get simple actions to improve every day. TRACK MONEY FASTER • Log expenses instantly with voice or text • Track income, spending, and net worth in one place • Manage cash, bank, credit, savings, and more • Use Koinx anytime with offline access UNDERSTAND YOUR MONEY • Ask Koi questions about your finances • Get clear answers in seconds • See where your money goes with simple insights • Understand your spending, savings, and progress BUILD BETTER HABITS • Get daily, weekly, and monthly money missions • Receive personalized tips based on your activity • Stay consistent with reminders and guidance • Take small actions that lead to real progress DESIGNED FOR REAL LIFE • Simple, clean, beginner-friendly experience • Fast setup and easy transaction logging • No ads and no selling your data • Secure sync when you're online Koinx doesn’t just help you track money. It helps you improve it. Terms of Use (en): https://www.koinx.app/en/terms Privacy Policy: https://www.koinx.app/en/privacy