Lucent Budget vs PennyWise

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

PennyWise — AI Expense Tracker The simplest way to see where your money actually goes. Snap a receipt and AI extracts every item in seconds. Connect your bank and transactions land in the right category automatically. Ask your AI accountant — "how much on food this month?" — and get an instant answer. FEATURES • Smart receipt scanner — photos, PDFs, printed or digital receipts • AI Accountant — chat about your spending in natural language • Bank sync — Monobank • Telegram bot — log expenses on the chat • Statement import — CSV, XLSX, PDF, or photos • Budgets — monthly cap plus per-category limits • Recurring expenses — auto-added each month • Multi-currency with live exchange rates • Custom categories with icons and colors • Analytics — trends, breakdowns, monthly comparison • Month in Review — personalised recap on the 1st • Privacy mode — blur all amounts with one tap DESIGN Light and dark themes, six accent colors, six app icons. Offline-first — add expenses without a connection and sync later. Available in English and Ukrainian. PENNYWISE PRO Unlock unlimited receipt scans and AI messages, bank sync, Telegram bot, full analytics history, multi-currency, all app icons, and data export. • Monthly: $4.99 • Yearly: $29.99 (7-day free trial) Payment will be charged to your Apple ID at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage and cancel subscriptions in your Apple ID account settings. Terms of Use: https://pennywise.info/terms Privacy Policy: https://pennywise.info/privacy