SpendBalance vs Pocket Clear

SpendBalance shows you where your money goes, without the setup. Add a purchase in two taps. Set rent, subscriptions and allowances once and they track themselves — daily, weekly or monthly — so you only log what you actually choose to spend. Everything stays on your iPhone. No account, no sign-up, nothing collected. WHAT YOU GET - Two-tap entry — log a purchase in seconds - Recurring transactions — set repeating income and expenses once and let them run daily, weekly or monthly - Four dashboard widgets — month's overview, balance trend, budget situation and spending split - 38 categories in groups like Campus Life, Food & Social and Personal Wellbeing — pick the 7 that matter to you - Day, week, month and year views - 66 currencies - Custom colours and a dashboard you arrange yourself - Dark mode, following your system setting HOW IT WORKS SpendBalance doesn't connect to your bank. You enter what you spend, which takes a couple of seconds — and means the app works with any bank in any country, and that your financial data never leaves your device. Recurring items handle the predictable spending on their own. Start in under a minute. No sign-up screen, nothing to connect.

Pocket Clear is a simple expense tracker with no ads and no bank linking. Log an expense in five seconds, see your month on a calendar, and let Apple Pay taps and bank texts log themselves — you check every entry, nothing is hidden from you. AUTOMATIC LOGGING — NO BANK LINKING On-Device AI (Beta, opt-in) • Apple Pay taps log themselves — set up a Shortcuts automation once and every tap is added in the background • Bank texts log themselves too — debit and card-spend SMS become entries the moment they arrive • Share a bank message, receipt photo, or card email to Pocket Clear and it's logged for you • Quick Log on Home — paste, type, scan, or choose a photo — or tell Siri "Log an expense in Pocket Clear" • Ask — "How much on food this month?" — and get exact answers from your own transactions • Everything logged for you waits under Recent captures to check, edit, or undo • Read on your iPhone — nothing you share or ask is uploaded to Pocket Clear or any AI company; off until you switch it on SIMPLE & FAST • Add expenses in seconds with "Money In" and "Money Out" • Smart Suggestions turn a repeat expense into one tap • Custom categories with 95 searchable icons, plus subcategories • Split a transaction across categories, and search your whole history by note, amount, or payee • Dark mode, text size, decimal places, and 10+ languages BUILD THE HABIT • A daily reminder that learns the hour you usually log — and only nudges on days you haven't • Catch-up week — see the last seven days side by side and fill in the ones you missed • Road to 50 — rewards at 10, 25 and 50 entries; log 50 and invite one friend who logs an entry for 3 months of Pro if you've never paid • Invite friends — share your link in one tap • Power score — one number for your money habit, with a nightly rank and what to do next • Daily rings — close Log, Budget and Grow every day • A projection of where your month will land • Today's tip — one feature, illustrated, each day PRIVACY FIRST • Works offline once you're signed in • Your entries stay on your phone unless you use Cloud Sync • Synced entries are encrypted with AES-256 • Tap the eye on Home to hide every amount • No ads, no tracking, no data selling BUILT AROUND YOUR PAY CYCLE • Weekly, fortnightly, semi-monthly, monthly or yearly periods • Start your month on payday instead of the 1st • Carry a balance over from one period to the next REPORTS & INSIGHTS • Calendar view — each day's spending on a month grid; tap a day to see its entries • Insights — this week's spending at a glance, every Sunday • Spending and money in by category, with percentages on the chart • Tap a payment type to see every transaction behind it • Monthly and yearly trends, and a running "Spent today" total • An optional Account balances card on Home for each payment type • Home Screen and Lock Screen widgets, day streaks and milestones PRO FEATURES • Pro Insights — what's creeping up, your repeat charges, and where to cut back • Cloud backup & sync — change phones and everything is there the moment you sign in • Partner Mode — one shared view of your money with your significant other • Groups and Trips — split shared costs, and see what one trip actually cost • Receipt photos on any transaction, backed up with your data • Pocket Clear on the web — read, sort and export on a full screen • Payees — track who you paid, not just what for • Per-category budgets with alerts and rollover • Savings goals and recurring transactions • Tags and inter-account transfers • Secondary currency and Travel Mode for spending abroad • Export transactions to CSV/PDF Pro is available monthly or yearly. PERFECT FOR • Couples managing shared expenses • Expats and travellers tracking in multiple currencies • Anyone who values privacy and simplicity • Anyone leaving an ad-supported money manager or bank-linked app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/