Ducat vs Lode

Ever wondered where your money goes? How did you spend it all? You're not alone, and this is where Ducat can help. Ducat helps you track every expense and subscription with effortless AI-powered natural language input and visualise where you spend your money every week, month and year, so that you can build better spending habits. Unlike autopilot expense trackers that sweep spending under the rug, Ducat makes tracking intentional, putting your habits right in front of you so you can actually change them. As you track, you'll see where you spend the most, what's bleeding your wallet dry and get timely alerts for subscription renewals and trial endings, putting you in charge of your money. KEY FEATURES (Requires paid subscription) • AI-assisted transaction input: Say or type "spent 24.85 on lunch at mcd", and it's done. AI automatically formats and categorises your spend. • Subscription clarity: See all subscriptions in one place and how much you're spending on subscriptions every month and year. Know what's due tomorrow, this week, next month, and what's actually worth keeping. • Insights that are practical and actionable: Which 3 purchases made up 37% of your spending? Your biggest spending days? How much did you spend every day in the last week? Ducat shows you everything you need to build good spending habits through clear, actionable insights. • Daily nudges to help you stay on track: Receive a gentle nudge every day at your preferred time to help you remember to track spending for the day. • Your data syncs securely: Ducat syncs your transactions and subscription data to the cloud frequently. AI processes your transaction requests anonymously. BUILT FOR SPEED & DELIGHT Native iOS through and through. Use search filters to find specific transactions instantly. On-device speech recognition. Crafted with modern liquid glass aesthetics. FREE TRIAL & PRICING Ducat requires an active subscription to use. Subscriptions are billed via App Store through in-app purchases. Explore the app with an all-access 14-day free trial, then choose a billing plan (Monthly or Yearly) to continue using the app. Subscription auto-renews until cancelled. You can cancel your subscription and subsequent auto-renewal via the App Store. HOW TO GET STARTED • Download Ducat • Sign up for an account • Add your first expense by voice or text in seconds • Watch the insights appear as you track Have questions? Reach out at help@ducat.money. Privacy Policy: https://ducat.money/privacy/ Terms of Service: https://ducat.money/terms/

Lode is the AI budget and expense tracker for iPhone. It logs payments from your bank’s notifications and Apple Pay, keeps budgets, bills and trips in check, and stores everything in your own iCloud. PAY AS USUAL. LODE WRITES IT DOWN Your bank already sends a notification for every payment. Lode turns each one into a transaction — no typing, no bank login. - You pay: By card, online or with Apple Pay. Your bank sends its usual notification. Bank notifications need iOS 27; Apple Pay works on iOS 18 and later. - Lode logs it: Amount, merchant and category — income too — without you opening the app. - It asks when unsure: Cash from an ATM, or a charge that may be one of your bills? One tap in a notification decides. FAST TO LOG. EASY TO PLAN - AI chat, voice and receipts: Type “coffee 5”, say it out loud or snap a receipt. Lode fills in the category, currency and date. Premium, with 3 free voice entries a month. - Budgets that fit your payday: An overall budget, limits per category and an income plan — with the month starting on the day you get paid. - Bills and subscriptions: Recurring payments are logged on schedule, and a free trial ends with a reminder, not a surprise charge. - Goals and debts: Save toward a trip or a laptop at your own pace, and keep track of who owes whom. - Shared accounts: Share an account with a partner or family through iCloud. Everyone keeps their own accounts private. Sharing needs Premium; joining is free. - Statistics and reports: See where the money goes by category, day and trip, and export the month as a PDF report. - Import a CSV, Excel or PDF bank statement, or an export from another finance app — Lode recognizes the columns and uses Lode AI for unusual layouts and PDFs. EVERY TRIP BUDGETED. EVERY COUNTRY STAMPED Set the country and dates, and every expense on those days goes into the trip — in any currency, against its own budget. - See what a day on the road cost, place by place - A passport stamp for every country, and how much of the world you’ve seen - Your trip on the Lock Screen as a Live Activity - 150+ currencies, booked at the rate of the day you paid WORKS THE WAY YOUR iPhone DOES - Siri & Shortcuts: “Log expense in Lode” — hands-free. - Widgets: Balance, budget and spending on your Home and Lock Screen. - Live Activities: The trip you’re on, right on the Lock Screen. - iCloud sync: Your iPhone and iPad, always in step. - Hide amounts: Tap the balance to cover every figure before you hand the phone over. NO BANK LOGIN. NO ACCOUNT. NO TRACKING - No bank password: Lode never connects to your bank. Payments come from the notifications already on your iPhone. - No account: No sign-up and no email. Open the app and start. - Your iCloud, not our servers: Your data lives on your iPhone and syncs through your own iCloud. - No ads or trackers: Nothing is sold or profiled. AI only sees what you send it, and nothing is stored. START FREE. UPGRADE WHEN YOU'RE READY Core tracking and automatic logging are free forever. Premium unlocks Lode AI, deeper insights and no limits. Know where your money goes. Always. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy