Lucra vs Fincend

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.

Know where your money goes. Fincend is a fast, minimal expense tracker for everyday spending. Add an expense in a few taps, set a monthly budget and watch your month take shape. No sign-up and no bank login: your data stays on your phone. QUICK TO LOG • Add an expense or income in seconds: amount, category, done • Add a note, pick a date or an account when you need to • One daily reminder at the time you choose, so nothing slips BUDGETS THAT HELP YOU DECIDE • A monthly budget plus budgets for the categories you care about • "Safe to spend today" turns your budget into one daily number • Alerts at 50% and 80% of a budget, and when you go over SEE YOUR SPENDING CLEARLY • Spending by category in a donut chart and a ranked list • Last 7 days, a day-of-week chart and a 4-week heatmap with your no-spend days • Short insights about your spending patterns • Search every transaction by note or category RECURRING BILLS AND SUBSCRIPTIONS • Rent, subscriptions and salary added automatically: weekly, monthly or yearly • Payments due in the next 7 days, right on the home screen • Upcoming bills are set aside before your daily budget is calculated ACCOUNTS • Cash, bank accounts and credit cards with a card limit • Move money between accounts with transfers YOURS TO SET UP • 31 currencies and 21 languages • Light and dark mode • Back up your data to a file and restore it anytime PRIVATE BY DESIGN No account to create and no bank connection. Your transactions are stored on your device, not on our servers. FREE, WITH AN OPTIONAL PREMIUM Fincend is free with ads. Every core feature is included: transactions, budgets, recurring transactions, analytics and backups. Premium is an optional monthly or yearly subscription that: • Removes all ads • Lets you create custom categories • Unlocks unlimited accounts (the free plan includes 2) • Exports your transactions to CSV Payment is charged to your Apple Account. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://fincend.com/privacy-policy.html Terms of Use: https://fincend.com/eula.html