Spender vs PacketPlanner

Spender is personal finance tracking that respects your privacy. Instead of uploading your banking data to servers somewhere, everything runs on your iPhone. Professional-grade accounting features without the surveillance. CURRENTLY IN PUBLIC BETA We're testing Spender before launch, and you're invited. Everything's unlocked at no cost during beta. WHAT YOU GET IN BETA All features are available for free during the beta period. No paywalls, no premium tiers, just the full app to test and provide feedback on. THE BASICS Your transactions get tracked automatically from bank SMS messages, or you can add them manually. The app uses a custom analyzer to read your banking texts and extract the details (requires Shortcuts via iOS 26+). No text ever leaves your phone. If you don't want SMS automation, manual entry works perfectly, and you can import from CSV files. ACCOUNTING THAT ACTUALLY WORKS We built this with double-entry ledger principles because your balances should always be accurate. Track unlimited accounts: savings, checking, credit cards, digital wallets. Set starting balances. Merge duplicates when banks send different formats. Your money, tracked correctly. ORGANIZED YOUR WAY Thirteen default categories cover the basics: Food & Dining, Shopping, Transport, Bills & Utilities, Entertainment, Healthcare, Travel, Education, Income, Rent, Investment, Personal Transfer, and Uncategorized. Create more if you need them. The app learns from your categorization choices and remembers which merchants go where. It's automatic categorization that actually gets better over time. YOUR DATA, YOUR RULES Everything processes on your device. Your SMS messages, transaction history, and financial details never hit our servers (we don't have servers). Bank-level privacy without needing to trust a bank. Import your existing transaction data from CSV, QIF, or OFX files. The column mapping tool automatically detects your file format and lets you choose which column can be associated with which property on the app, meaning you can import almost any excel tracker you are already using. Export everything anytime in the same formats, plus complete XML backups. Your data moves freely in and out. Backups work two ways: encrypted local files you control, or automatic iCloud sync using your personal iCloud account (we can't access it). Either way, you're covered. MULTI-CURRENCY SUPPORT The app handles all currencies with automatic conversion and real-time exchange rates. Works offline with locally saved exchange rates. Set your preferred currency and go. WHO THIS IS FOR People who value privacy and accuracy. Freelancers tracking business expenses. Students budgeting. Families monitoring household spending. Anyone tired of finance apps that treat your data like a product. WHY WE BUILT IT THIS WAY Most finance apps upload everything to their servers. They analyze your spending, sell insights to advertisers, or get breached and leak your data. We disagreed with that model. Spender runs entirely on your device. Your SMS messages stay yours. Your transaction history stays private. Your financial behavior isn't monetized. That's the point. WHAT BETA MEANS You're testing unfinished software. Expect rough edges. Report bugs. Share what works and what doesn't. Help us make this better before launch. All features are free during beta. When we launch for real, some will require payment. But if you're testing now, you're shaping what this becomes. GETTING STARTED Download the app. Select how you want to start tracking your transaction data. Grant SMS permissions if you're using automation. Start tracking. If something breaks, email us at numan.mubarak@protonmail.com. If something works well, let us know that too. We're building this with your feedback. Visit https://github.com/mubaraknumann/Spender/blob/aa8edf36d7926959aa4138ac703832637833f25a/SUPPORT.md for detailed setup guides and troubleshooting.

Plan your red packet (angpao / hong bao / li xi) budget for Chinese New Year, Hari Raya, Deepavali or any festive occasion - and know exactly how much cash to withdraw. PacketPlanner organises who gets what, works out the notes to draw from the bank, and keeps a record you can carry from one year to the next. PLAN AND BUDGET - Group people the way you actually visit them: family, in-laws, colleagues, kids - Set the amount and the number of packets for each person - Not sure how much to give? Tap a relationship and see the customary amount for your region NEVER GUESS AT THE ATM - The calculator totals every note you need, by denomination - Enter the notes you already have at home and it tells you exactly how many more to withdraw - Currency presets load the real denominations for your country GIVE WITHOUT MISSING ANYONE - Tick each packet as you hand it out - Give Mode hides everyone already done and counts down who is left and how much - Search your list instantly, however long it gets RECORD WHAT COMES BACK - Log the packets your own household receives - See your net position for the season: given against received - Per-person totals, plus reciprocity for the packets where you know who gave ONE PLAN PER YEAR - Keep this year and next year side by side and switch between them - Duplicate last year to start the new one with everyone already on the list MULTILINGUAL Full support for English, Chinese (Simplified and Traditional), Malay, Tamil, Hindi and Vietnamese. PRIVATE BY DEFAULT Your data stays on your device. No account, no sign-up. Pro adds optional backup to your own iCloud Drive, which only you can read. PRO UPGRADE - one single purchase - Unlimited plans, so every year has its own - Unlimited groups - Automatic iCloud backup, one file per plan - Export to Excel, plus JSON backup and restore - No ads The rate guide, calculator, search and Give Mode are free, always. PERFECT FOR - Chinese New Year (hong bao) - Hari Raya Aidilfitri (duit raya) - Deepavali - Tet (li xi) - Weddings, birthdays and corporate events Say goodbye to messy notes and last-minute ATM runs. Plan smarter with PacketPlanner! Privacy Policy: https://mlt-solutions.github.io/app-legal-docs/packetplanner/PRIVACY Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/