Cost 2 vs Lumori Bill Tracker & Reminder

Cost keeps a spending log without asking you to type one in. Share a receipt — screenshot, photo of the paper one, order confirmation, plain text — and an on-device agent reads off the merchant, total, currency, date and category. Confident drafts file themselves; the rest wait in the Inbox with the agent's reasoning shown, a tap from saved. It runs on Apple Intelligence, on your device: nothing uploaded, no account, no bank connection. Fix a draft and the fix becomes a rule. Rename a merchant once and the next receipt from it arrives renamed. Add standing instructions in plain English — "the corner shop is Groceries" — and they hold on every receipt after. Everything Cost has learned is listed in Settings, editable and deletable. Categories stay yours: matched to one you already have, or proposed for you to accept. Never invented, never forced onto a purchase that doesn't fit. Tags cover what a category can't — a trip, a project, "Work". A flight, four dinners and a rail pass are three categories but one trip, and the trip carries its own total. Search reads meaning. "caffeine last month" finds the coffees without sharing a word with them; "how much did my Japan trip cost" answers with the tag's total. Trends for any week, month or year: the total against the period before, the category mix, top merchants, the tags that were running. A calendar zooming year to month to week. Totals per currency — Cost won't add two together and call it an answer. Also: type or dictate a sentence ("Coffee at Pret, £3.20, yesterday"), ask Siri to log spending or search it, attach where you were, keep the receipt with the record. Cost is a Mac app too, synced over iCloud. A receipt the phone couldn't settle arrives on the Mac ready to review — and if you run a model locally (Ollama, LM Studio, llama.cpp), Cost hands the reading to that instead. Bigger model, same machine, still nothing uploaded. Apple Intelligence isn't on every device. Where it's missing, Cost reads what it can and parks a draft for review — an unavailable model costs you a tap, never a receipt.

Know what's next. Lumori keeps bills, subscriptions, renewals and important expiry dates in one simple timeline, so you can see what's coming before it becomes urgent. TRACK LIFE'S IMPORTANT DATES Keep subscriptions, bills, passports, licences, visas, insurance, domains, memberships and other recurring or one-off dates in one place. SMART NUDGES Lumori's reminders become more timely as a date gets closer. Choose 1, 2 or 3 reminders per day and set the delivery times that work for you. A CLEAR TIMELINE See what's overdue, due today, coming in the next 7 days and later — without digging through calendars or notes. CALENDAR & INSIGHTS Browse upcoming dates in Calendar and review bills and subscriptions by month or year. When multiple currencies are present, Lumori keeps them separate rather than mixing totals. HOME SCREEN WIDGETS Keep upcoming items visible with small and medium widgets. App Lock keeps private details hidden when privacy matters. MAKE IT YOURS Choose Light, Dark or System appearance, accent colours, app fonts and heading styles. ENGLISH + 简体中文 Switch Lumori's language instantly inside the app. Dates and Lumori-owned text follow your selected language while your own item names and financial data stay unchanged. PRIVATE BY DESIGN Lumori works without analytics, tracking or advertising SDKs. Your reminders and Smart Nudges are created on device. Use Lumori for the things you don't want to remember too late.