Lucent Budget vs Dudget

Lucent is a clean, intuitive budgeting app designed for individuals and couples who want to take control of their finances without the complexity. BUDGET YOUR WAY Create multiple budgets for different purposes—monthly expenses, vacation funds, or household spending. Each budget supports its own currency, perfect for travelers or international households. ORGANIZE WITH CATEGORIES Set up spending categories with target amounts and watch your progress in real time. Lucent shows you exactly where you stand—what you've spent, what's remaining, and when you're over budget. TRACK EVERY TRANSACTION Log expenses quickly with a streamlined interface. Add notes, assign categories, and use transaction templates for recurring purchases. Filter and search your history to find exactly what you need. REACH YOUR SAVINGS GOALS Whether you're saving for something specific or just building a nest egg, Lucent has you covered. Set target-based goals with deadlines or use open-ended savings trackers. Log contributions and withdrawals to see your progress grow. SHARE WITH YOUR HOUSEHOLD Invite your partner or family to share budgets. Everyone stays on the same page with real-time sync, and you control exactly what's shared. INSIGHTS THAT MATTER Visualize your spending with clear charts and insights. See budget vs. actual comparisons, category breakdowns, and spending trends over time. YOUR DATA, YOUR CONTROL • Export transactions to CSV anytime • Data syncs securely across all your devices • No ads, no data selling—ever

Dudget is a simple, private budget app for iPhone. No bank login. No tracking. No $99/year price tag. Set it up in 90 seconds. Add a transaction in 4 taps. Know exactly how much you can safely spend today. WHY DUDGET? - Manual entry, not bank sync. Works in 90+ countries, including the ones Plaid forgot. - Multi-currency. Travel, expat, or just send money home? Set any ISO currency. Give each budget its own currency, 30+ supported. - Offline-first. Subway, airplane, no signal: Dudget never blanks out. - Private by design. Your transactions live in an encrypted database on your phone. We don't have a server. - Free forever. The full safe-to-spend experience is free. Pro adds extras for $24.99/year, about a third of what other budget apps charge. THE 90-SECOND SETUP 1. Tell us your monthly income. 2. Pick the categories you spend on (food, transport, rent, the usual). 3. Done. Start logging transactions and watch your safe-to-spend update in real time. No bank login. No 30-step onboarding. No "connect your accounts" screen that fails halfway. THE DAILY LOOP Open the app. See the one number that matters: your safe-to-spend. Coffee for $4.50? Tap +, type 4.50, tap Coffee. Done in 4 taps, about 10 seconds. The number updates instantly. Made a category mistake? Long-press, tap, fix. Dudget remembers it for next time. WHAT'S INCLUDED FREE - Unlimited transactions - Custom categories - Safe-to-spend hero number - Rollover budgeting - Period transitions (weekly, monthly, custom) - CSV export - Biometric / PIN lock - Encrypted local storage WHAT PRO ADDS ($24.99/yr) - Multi-budget (separate "household" and "side hustle" budgets) - Multiple currencies side by side - Custom emoji categories - Charts and trends - Encrypted cloud backup (coming soon) - Couples sharing (coming soon) PRIVACY, ACTUALLY Other budget apps make money from your transaction data. Dudget doesn't have any of your transaction data. It can't: it lives on your phone, encrypted, and our server doesn't exist yet. Read our full privacy policy at dudget.app/privacy. PRICING Free forever. Pro is $24.99/year, and we use regional pricing so it's affordable in the Philippines, India, Brazil, Nigeria, and other countries where $24.99 doesn't make sense. QUESTIONS? Email support@dudget.app. A real human (the founder) reads every message. SUBSCRIPTION TERMS Pro auto-renews annually unless cancelled at least 24 hours before the end of the period. Manage subscriptions in iOS Settings > Apple ID > Subscriptions. Privacy Policy: https://dudget.app/privacy Terms of Use: https://dudget.app/terms Support: support@dudget.app