Pocketspend | Expense Tracker vs Gilt

Pocketspend is your personal money tracker that helps you manage expenses, subscriptions, incomes, SIPs, and investments — all in one place. Whether you’re tracking your daily spending, managing recurring subscriptions, or growing wealth through SIPs and investments, Pocketspend keeps everything organised and effortless. SIPs are automatically added to your investments, and recurring subscriptions automatically become expenses — so your finances always stay up to date without any manual effort. And the best part? All your data stays 100% on your device. No sign-ups, no cloud uploads — just private, local-first control of your money.

Gilt is a personal finance tracker that respects two things most finance apps don't: your money and your privacy. START FREE, SUBSCRIBE WHEN IT STICKS Every feature is unlocked from first launch — no account, no card, no countdown. The free start covers your first 10 transactions across 5 different days. After that, a subscription ($2.49/month or $19.99/year, about $1.67 a month) keeps recording; a family plan and a one-time lifetime purchase are also available. And a promise: your data is never held hostage — everything you've recorded stays readable and exportable, free, forever. YOUR DATA NEVER LEAVES YOUR ICLOUD Gilt has no servers. Everything is stored on your iPhone and synced through your personal iCloud, end to end. We couldn't read your data even if we wanted to — there is nothing on our side to read it with. No analytics, no tracking, no ads. Ever. BRING YOUR OWN AI Instead of selling you another built-in chatbot, Gilt works with the AI you already use. Importing history? Hand your bank statement to your AI with Gilt's prepared prompt and it converts the statement into a file Gilt verifies and imports — works with any bank in the world. Analyzing? Export a structured, privacy-filtered snapshot and ask Claude, ChatGPT, or any assistant. You review everything before anything is saved; merchant names and notes stay out of exports unless you say otherwise. EVERYTHING A REAL TRACKER NEEDS Unlimited accounts — checking, savings, cash, credit cards with utilization, loans with payoff schedules, deposits with interest. Budgets with per-category allocations and honest pace projections. Recurring payments and bills. Reports: spending by category, income vs expense, net worth over time. Multi-currency done properly, with transfers and exchange rates. READ ON YOUR IPHONE, NOT ON A SERVER Scan a receipt and, with Apple Intelligence, Gilt fills in the merchant, total, date and category by itself — the model runs on your iPhone and the receipt never leaves it. Ask Siri how much you spent this month, last month or this week, in total or on one category. FOR YOU AND YOUR FAMILY The family plan shares your household through iCloud between your own Apple accounts. Two people, one clear picture of the money — still with no server in the middle. AND THE DETAILS Home-screen widgets, Face ID app lock, CSV import and export, search, custom categories and tags, beautiful native design built entirely with Apple's latest frameworks. Gilt compares you with you — your own history, your own pace — never with strangers' averages. Your finances are personal. Your finance app should be too. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://gilt.money/privacy