Comparison

SMSCat vs LutraTally

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

Head to head
About

SMSCat

This app uses advanced AI to automatically identify and block spam text messages. It classifies incoming SMS into categories like normal, promotional, and transactional, offering real-time protection both online and offline. Users can customize filtering rules and block all messages with a single tap.

Highlights
  • AI intelligent interception
  • Automatic SMS classification
  • Real-time online protection
  • Offline intelligent filtering
  • Customizable filtering settings
  • Block all SMS
  • Privacy focused local filtering
Features
Read full description

Smart interception is enabled with one click! SMSCat uses advanced intelligent AI algorithms to keep you away from spam text messages. - AI intelligent interception, one-click activation No need to set complicated rules, one-click activation of intelligent filtering. Using artificial intelligence algorithms, SMSCat can accurately identify and block spam messages. - Automatic SMS classification Intelligent automatic classification according to the content of SMS: normal messages, spam messages, promotional messages, and transaction messages. - Real-time online protection Real-time check of new SMS messages to ensure that spam messages are immediately blocked, cloud-local dual accurate filtering, so that you are always protected. - Offline intelligent filtering Local filtering calculation works locally throughout the process, and accurate filtering of spam messages can be achieved without the need for a network. - Intelligent filtering classification settings Intelligent control of interception classification, while supporting keyword and number filtering rule combinations, creating your own world of rules. - Block all SMS If you encounter SMS bombardment, you can block all SMS with one click or enable the function of blocking SMS verification codes. - Privacy first Your privacy is very important to us. Turn on local intelligent filtering to ensure the security of your information. - Feedback SMS Copy the SMS and click "AI Recognition" to feedback the SMS content. SMSCat will be smarter after learning. - Feedback and suggestions Open the APP "About" to report the problems you encounter, and we will deal with them as soon as possible. - Contact us hi@byat.cn - If you think it's good, remember to give it a 5-star rating and share it with your friends. - User Agreement https://gnw6h33mdr.feishu.cn/docx/ZKmId9O6forKcExUBumcqWzdn1c

About

LutraTally

Effortlessly track expenses, manage budgets, and monitor asset changes. This app recognizes receipts and screenshots for quick entry, handles recurring payments, and offers insights into spending trends. It prioritizes local data storage and a focused, ad-free experience.

Highlights
  • Expense and budget tracking
  • Receipt and screenshot recognition
  • Recurring payment management
  • Asset and savings goal tracking
  • Quick entry and shortcuts
  • Local-first data storage
Features
Read full description

Record every expense with ease and see budgets, asset changes, and spending trends at a glance. Manage daily expenses, credit-card payments, recurring subscriptions, savings goals, and reimbursements in one place. LutraTally recognises receipts, payment screenshots, and text, and supports quick entry through Shortcuts. It is ready to use, ad-free, requires no sign-up, and keeps your data local first. Key features - Fast entry: categories, subcategories, notes, ledgers, wallets, multiple currencies, and Quick Entry templates. - Smart entry [Pro]: scan receipts or recognise amounts and merchants from screenshots and text. Shortcuts can recognise bank transaction messages; recognition runs on-device. - Subscriptions and recurring reminders: manage subscriptions, recurring charges, card payments, loans, and recurring income. Free supports up to 3 recurring items; Pro unlocks unlimited tracking. - Budgets and insights: monthly income, expenses, budget progress, categories, and subcategories. Pro adds year-to-date and custom-period reports and trends. - Asset overview: manage cash, bank cards, e-wallets, and credit cards; view balances, credit limits, monthly changes, and history; transfer between assets and track repayments and reimbursements. - Savings goals: set targets for travel, devices, or emergencies and track deposits and withdrawals. Pro unlocks multiple goals. - Multiple ledgers [Pro]: create ledgers for personal, family, travel, or other uses, with custom order and default location. - Search and shortcuts: find transactions, reorder categories, edit Quick Entry templates, and use iPhone widgets. - Cross-device sync [Pro]: sync ledgers through private iCloud between iPhone and Apple Watch. - Migration and backup [Pro]: import CSV, Alipay, and WeChat statements; create password-protected encrypted backups. CSV export is always free. - A focused experience: ad-free, no sign-up, local-first storage, with Face ID, Touch ID, or device passcode protection. Note: Apple Watch requires a paired iPhone with Pro enabled and iCloud sync turned on. About Pro - Flexible plans: monthly, quarterly, and yearly auto-renewing subscriptions, plus a one-time Lifetime purchase. - Manage or cancel: charges are billed to your Apple Account. To cancel, turn off renewal in Settings → Apple ID → Subscriptions at least 24 hours before the current period ends. - Data safety: ledger data stays on your device by default. With iCloud enabled, it syncs only through your private iCloud and is not uploaded to developer servers. - Privacy Policy: https://www.lutratally.xyz/apps/lutratally/privacy.html - Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ - Support: https://www.lutratally.xyz/apps/lutratally/support.html

Screenshots

SMSCat4 screens
LutraTally4 screens

Verdict

The call

The clearest difference is review sentiment: LutraTally at 100% against SMSCat's 33%. LutraTally also leads on rating (5.0 vs 4.4) and update cadence (every 2 days vs every 8 days). SMSCat's advantage is ratings volume (34 vs 2). On price, ads, in-app purchases and monetization model 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. SMSCat sells 3 in-app purchases, starting at $0.99 per month and LutraTally sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

LutraTally holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: SMSCat has 34 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 33% of SMSCat's written reviews are positive against 100% of LutraTally's.

UpkeepUpdate frequency

SMSCat ships an update every 8 days, LutraTally every 2 days. The most recent releases landed on November 4, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 6 level
SMSCat versus LutraTally: the parameters behind the verdict, then further details
ParameterSMSCatLutraTally
PriceFreeFree
Rating4.4 (34 ratings)5.0 (2 ratings) — better
Positive reviews33.3% of reviews100.0% of reviews — better
Number of ratings34 — better2
Update frequencyEvery 8 daysEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPadiPhone, Apple Watch
Requires iOS17.0 — better18.0
Further details — not scored
Size44 MB87 MB
Age rating4+4+
Developer瑞青 邓玉昌 鲁

Customer experience

SMSCat

All ratings34 ratings
Positive85.3%
Neutral2.9%
Negative11.8%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

LutraTally

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

SMSCat

Subscriptions2
  • Monthly Member$0.991 Month
  • Annual Member$2.991 Year
One-time1
  • Lifetime Member$9.99
10 purchases

LutraTally

Subscriptions3
  • LutraTally Pro Monthly3 Days trial$0.991 Month
  • LutraTally Pro Quarterly$1.993 Months
  • LutraTally Pro Yearly$6.991 Year
One-time7
  • 智能体 Credit 尝鲜包$0.29
  • 智能体 Credit 轻量包$0.99
  • 喝杯奶茶$1.99
Show 4 more
  • 请作者喝两杯奶茶$4.99
  • LutraTally Pro Lifetime$9.99
  • 请作者喝一周奶茶$12.99
  • 请作者喝一个月奶茶$29.99

Questions

Is SMSCat free?
SMSCat is free to download, with in-app purchases available.
Is LutraTally free?
LutraTally is free to download, with in-app purchases available.
Which has better reviews, SMSCat or LutraTally?
LutraTally is rated higher. SMSCat averages 4.4 out of 5 from 34 ratings, while LutraTally averages 5.0 from 2 ratings.
Do SMSCat or LutraTally have ads?
Neither SMSCat nor LutraTally shows ads.
Which is updated more often, SMSCat or LutraTally?
SMSCat ships an update every 8 days, and LutraTally every 2 days. Most recently, SMSCat was updated on November 4, 2026 and LutraTally on November 6, 2026.

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