Lucra vs Moneto

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.

Moneto is a free expense tracker, budget planner and money manager that makes personal finance simple. Track expenses, income and transfers, set budgets, reach your savings goals and see exactly where your money goes — all in one clean, fast app, with no ads ever. Whether you want a daily spending tracker, a powerful budget planner, or a full money manager and expense manager for the whole family, Moneto keeps your personal finance organized on every device. WHAT YOU CAN DO • Track expenses, income and transfers in seconds • Create multiple wallets for accounts, cards and cash • Set monthly, quarterly or yearly budgets with automatic alerts • Build savings goals with deadlines and progress tracking • Automate recurring transactions for bills, salary and subscriptions • Attach receipts and invoices to any transaction (PDF, JPG, PNG) • Analyze your money with 6 reports: overview, annual, categories, cash flow, net worth and forecast • Export everything to PDF and CSV in your language GROUPS & SHARED EXPENSES Share wallets, budgets and savings goals with your family. Every transaction notifies everyone, so the household budget is clear to whoever runs it. PRIVACY FIRST • Fully GDPR compliant • Data hosted in Europe (Microsoft Azure) • Encryption in transit and at rest • Two-factor authentication (2FA) • Biometric unlock with fingerprint or Face ID • No ads, no profiling, no selling your data 18 LANGUAGES English, Italian, German, Spanish, French, Dutch, Portuguese, Brazilian Portuguese, Croatian, Hindi, Indonesian, Turkish, Polish, Czech, Romanian, Hungarian, Greek and Ukrainian. WORKS EVERYWHERE One account across Android, iPhone, iPad, Windows and Web, with automatic real-time sync. Start budgeting on your phone and pick up right where you left off on your computer. FREE FOREVER + MONETO PRO Moneto is open: reports, budgets, goals and groups are free for everyone, with no ads. The free plan covers 25 transactions a month. With Moneto Pro (€6.99/year, 7-day trial) the cap goes away and you can export everything to PDF and CSV. Take control of your personal finance today. Download Moneto — the budget and expense tracker that puts your money first. Developed in Italy by Innovatek. Questions? info@monetoapp.it