Lucent Budget vs Budgetti

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

Budgeting with someone else usually means one person tracking everything and the other finding out at the end of the month. Budgetti is built for two. You both add expenses to the same week. Your partner logs a grocery run and it's on your phone a second later — same total, same categories, no reconciling, no "did you get that one?" SHARE A BUDGET IN SECONDS Create a budget, share a six-character code, and they're in. No account setup on their side beyond signing in with Apple. KNOW AS IT HAPPENS Get a notification the moment the other person adds an expense, and when a category runs past what you planned. Turn any of it off in Settings. SEE THE WEEK, OR THE MONTH A running total that shows whether you're on pace, spending broken down by category, and a separate line for each person so you can see who's driving it. INCOME, NOT GUESSWORK Most budget apps ask you to invent a limit for "Shopping". Budgetti asks what you actually know: what you earn, and what's already committed. Set your take-home pay — weekly, every two weeks, or monthly — add rent and bills with the day they come out, and it works out what's genuinely free to spend. SEE MONEY BEFORE IT MOVES A 30-day view of what's coming in and going out, so the week where rent lands two days before payday is visible before you get there. SAVE ON PURPOSE Set aside an amount on a schedule and it's treated as committed, not spendable. WHAT IT DOESN'T DO No bank logins. No ads. No selling anything to anyone. Expenses are typed in, which takes a few seconds and means nothing surprising ever shows up in your budget. Free, with no in-app purchases.