SpendMinder vs Spent.

SpendMinder – A Budget That Matches How You Get Paid SpendMinder is the fast, modern budgeting app designed around your real pay cycle. Instead of forcing you into monthly calendars, SpendMinder builds a budget based on your actual payday — built from dates you give us — giving you clearer limits, accurate pacing, and a realistic view of your money. If you want to control day-to-day spending, stay ahead of bills, pay off debt faster or save for goals, SpendMinder keeps everything organised in one clean place. Key features • Budgeting based on your real pay schedule Track spending against your actual payday. See daily spending limits, pacing, remaining balance and whether you’ll finish the cycle on budget. • Fast, simple expense tracking Add expenses in seconds with a clean, quick interface. Categorise purchases, review spending patterns and keep on top of your money easily. • Clear insights that show where your money goes View your top spending categories, peak spending days, recurring payments and more — without spreadsheets or complicated charts. • Fixed expenses and monthly bills Add rent, utilities, subscriptions and other repeating costs to see your true spendable amount each cycle. • Debt tracking with payoff tools Track balances, minimums and due dates. Use Snowball or Avalanche payoff methods and see your debt totals fall over time. • Savings goals with progress tracking Set goals, add contributions and see how close you are to completing each one. • Clean, modern, ad-free design We are committed to never display you a single ad! We value your time, privacy, that's why all data stays only on your phone, and not on our servers! Why people choose SpendMinder • Built for any financial cycle you give us! • Ideal for people who overspend between paydays • Helps you stay consistent with accurate pacing and daily limits • Great for users who want budgeting, debt tracking and savings in one app • Designed for clarity, speed and ease — no spreadsheets required Pro Features Unlock Pro for unlimited history, full insights, savings goals, debt tracking and export tools. Your data stays private and securely stored on your device. SpendMinder helps you stay in control, stay consistent and stay confident with your money. Start your first pay cycle today. Terms of Use (EULA) Apple’s Standard End User License Agreement applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

A private AI expense tracker — receipt scanning, natural-language logging, monthly budgets, and instant answers about your spending, all running entirely on your iPhone. No account. No cloud. No tracking. Meet Lil Bit, the little on-device bookkeeper inside Spent. Snap a receipt and Lil Bit reads the merchant, amount, and date. Jot "lunch 12" and it's logged. Ask "how much on food this month?" and get an answer in seconds. Everything happens on your device — nothing is ever uploaded. BANK NOTIFICATIONS — NEW Your bank already tells you when you've paid. Spent can turn that notification into a transaction waiting for your OK. Add the ready-made shortcut, choose the app your bank's alerts come from, and show Spent one real notification by tapping the amount and the merchant. Every payment after that lands in a review list, to approve one at a time or all at once. No bank login, no connection to your bank, no server. Requires iOS 27. BUDGETS Set a monthly limit for any category and Insights draws a quiet bar under it: under, near, or over, you see where you stand at a glance. No guilt — just the number, the limit, and the bar. Per-currency, and included in your backups. ASK LIL BIT Tap the Lil Bit coin and ask about your money in plain English: • "Summarise last month" — totals plus your top categories and merchants • "How much on food this month?" — any category, any period • "Am I over budget?" — your budgets, checked in a tap • "What's my biggest expense?" — your largest single spend, instantly • "What's my balance across accounts?" — every account, at a glance Every answer is computed on-device. Your questions never leave your phone. WHY SPENT. • 100% on-device AI — works offline, on a plane, anywhere. Your finances never leave your phone. • No account, no sign-up, no ads, no trackers. Open it and start. • You stay in control — every AI entry is yours to confirm before it saves. WHAT YOU CAN DO • Log transactions from your bank's notifications (iOS 27) • Set monthly budgets per category • Ask Lil Bit — get instant, on-device answers about your spending • Scan receipts — AI fills in the details; view or share the original anytime • Type naturally — "coffee 5", "groceries 80", and Spent. gets it • Track expenses, income, and transfers across multiple accounts • Multi-currency — each account in its own currency, no surprise conversions • Insights — see where your money goes by category and merchant, month over month • Home Screen widget — log, scan, or ask in one tap; shows no data by design • Recurring transactions, duplicate detection, and smart merchant memory • Privacy mask — hide every balance with one tap • Siri & Shortcuts — log spending hands-free • Your data stays yours — export a full backup anytime PRIVACY BY DESIGN Spent. has no server. There's no account to create and no data to leak, because nothing is collected in the first place. The AI runs locally on your iPhone — your receipts, balances, and habits stay with you. Free for manual tracking, bank notifications, receipt-OCR scanning, budgets, and insights. Unlock on-device AI extraction and Lil Bit's chat with a single one-time purchase — no subscription, ever. Your expenses, tracked privately.