Specter app vs Cetus

Scan the QR code at the cashier section at your favorite stores and you can see all the details of your purchase invoice, Specter will save all your invoices in our safe servers so you can restore the details of the invoice anytime in the easiest way, categorize your purchase in a variants categories so you can easily track where are you spending your money.

Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded. EVERYTHING IN ONE PLACE • Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation • Income, expenses and transfers with merchant, category, tags, notes and photo receipts • Net worth tracked over time, split into assets and liabilities • Custom categories and subcategories with your own colours and icons BUDGETS THAT KEEP UP • Weekly, monthly or yearly budgets across any set of categories • Per-category monthly limits with live progress • Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total • A financial calendar of what is coming up GOALS AND DEBTS • Savings goals with target amounts, target dates and planned monthly contributions • An estimate of how many months each goal will take at your current rate • Debt tracking for credit cards, mortgages, student, auto and personal loans • APR, minimum payment, monthly interest and an estimated payoff horizon REPORTS AND INSIGHTS • Income versus expenses over 3, 6 or 12 months • Spending by category, top merchants and month-over-month comparisons • A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence • Automatic insights that flag rising spending, a strong savings rate or budgets running over PRIVATE BY DESIGN • All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain • App Lock using Face ID, Touch ID or your device passcode • Privacy Mode hides every amount at a glance • Export your data to a portable backup file and restore it on any device • Erase everything from the device in a single step MADE FOR iPHONE AND iPAD • Built with SwiftUI and Swift Charts • Dark-first monochrome design with selectable accent colours, plus light and system themes • Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.