Lucent Budget vs PennyWise

Lucent helps you see what you can spend, follow your savings, and keep a shared budget with your household. Create budgets in different currencies, set category targets, and log expenses and income. Use templates for entries you make often, add notes and receipts, and explore your spending in Stats. Track savings goals, share budgets with your partner or family, and export your records to CSV. Lucent is free to use, with no ads. Free includes one active recurring transaction and the small Spending Pace widget. Optional Lucent Plus adds: - Subscriptions & Bills: spot regular payments in your recorded transactions and see their estimated yearly cost and price changes. - Merchant insights and comparisons with the same period last year as your history grows. - More recurring transactions, with due entries added when you open Lucent. - Receipt fill: read a receipt image on your device and suggest the amount, date, and description for you to review. - Medium and large Home Screen widgets, plus Lock Screen widgets. Choose a yearly subscription or a one-time lifetime purchase. Eligible customers can try the yearly plan free for one month. The yearly plan renews automatically unless canceled through Apple's subscription settings. Local prices and purchase terms are shown before you buy. Privacy: https://lucentbudget.app/privacy-policy Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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