Lucent Budget vs Trove

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/

calm money. Trove is a private budget that never touches your bank. You bring your own statements, Trove does the math, and nothing ever leaves your phone. No bank logins. No account. No cloud. No ads. No analytics. Trove makes no network requests at all. It works entirely offline. It is not a promise about how we handle your data. There is no data to handle. WHAT IT DOES Import a CSV or PDF statement from your bank and Trove reads it on your phone. Then it tells you where the month is heading. Projected end of month. What your cash looks like on the last day, based on what has already happened and what usually happens. Pace. Whether you are spending faster or slower than your normal, without a lecture about it. Runway. How many months you have if income stopped. Subscriptions. Recurring charges found in your own history, including the ones you forgot. Simulator. Change a number, see what it does to the month. Goals. Save toward something with a pace marker that tells you if you are on track. FULL TROVE One payment. Not a subscription. Yours for good. Months Ahead, a rolling multi-month forecast. Net Worth, tracked over time. Custom Categories and Rules. Saved Scenarios. Reports and export. Try it free for 14 days. The trial runs on your phone and needs no account. WHAT IT IS NOT Trove does not connect to your bank. It does not ask for credentials. It does not send your transactions anywhere, because it cannot. There are no streaks, no push notifications about lunch, and no opinions about how you spend. The friction of bringing your own data is the point. It is the reason the privacy claim is real instead of a policy page. Your data is yours. Export a complete copy whenever you want, or delete everything in one tap. Made by Sable Creek Software.