AI Spend Tracker vs Ledgr

RetroBudget is an AI expense tracker made by one independent developer. I built it around a simple problem: credit card statements contain the answers, but they make it surprisingly hard to understand where your money actually went. Most finance apps want you to connect a bank account. RetroBudget takes a different route. Upload a credit card statement PDF you already have, and RetroBudget turns the transactions into a clear view of your spending without your bank password or live account access. What you can see: • Spending by category, merchant, and card • Recurring charges and monthly spending patterns • Simple charts that make the numbers easier to understand • Live Activity and optional notifications while a statement is processed How it works: 1. Choose a credit card statement PDF 2. AI reads and categorizes the transactions 3. Explore your spending breakdown 4. Delete the statement whenever you’re done Your imported PDF and extracted records remain in your iCloud-backed app storage until you delete the statement. RetroBudget uses Sign in with Apple and does not require bank linking. RetroBudget isn’t built by a big finance company. It’s an independent app I’m making to solve one focused problem well. If it helps you understand your spending a little faster, it’s doing its job. Privacy Policy: https://retrobudget.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ledgr is a smart finance journal powered by on-device AI. Scan receipts with your camera, analyze bank statements with AI, speak transactions out loud, or type in plain English — Ledgr understands it all, entirely on your device with zero cloud dependency. WHAT MAKES LEDGR DIFFERENT ◆ AI BANK STATEMENT ANALYZER Import a PDF bank statement, snap a photo, or pick from your library. Ledgr's on-device AI reads every transaction, categorizes your spending with visual breakdowns, flags unusual charges, and generates personalized saving tips. No upload, no subscription — everything runs locally using Apple Intelligence. ◆ 4-WAY SMART INPUT Add transactions your way: - Point your camera at a receipt — AI extracts amount, merchant, and category instantly - Pick a receipt photo from your library - Hold the mic and speak: "Spent twelve dollars on lunch at Subway" - Or just type naturally: "$5 coffee starbucks" ◆ AI SPENDING INSIGHTS Your Statistics tab comes alive with AI-generated analysis — spending patterns, locale-aware saving tips, and trend commentary based on your real data. ◆ LIVE GOOGLE SHEETS SYNC Connect your Google account via OAuth and sync transactions directly to a spreadsheet you own. Not a CSV export — a live sync with conflict resolution, deduplication, sync history, and traffic stats. ◆ TRUE MULTI-CURRENCY Log transactions in 20+ currencies. Ledgr converts amounts using real-time exchange rates so your totals, statistics, and trends are always accurate — even across countries. ◆ CROSS-PLATFORM WITH iCLOUD Works seamlessly on iPhone, iPad, and Mac. All data syncs automatically via iCloud CloudKit. ◆ PRIVACY-FIRST No account required. No third-party servers. No tracking. Built with 100% Apple-native frameworks — SwiftUI, SwiftData, CloudKit, Vision, and Foundation Models. Zero external dependencies. Your data stays yours. Also includes: GPS location tagging, transaction shortcuts, customizable categories with emoji, account management, advanced search with filters, and spending trend charts. Key changes from your old description: - Opens with AI capabilities, not "track income and expenses" - Statement Analyzer is front and center (your strongest differentiator) - "4-Way Smart Input" positions the multi-modal entry as a feature, not just buttons - "AI Spending Insights" highlighted as its own feature - Google Sheets described as "live sync" not just "export" - Basic features (categories, search, charts) pushed to a single line at the bottom - Every bullet answers "why is this not just another expense tracker?"