Pocket Clear vs Spendcast

Pocket Clear is a simple expense tracker with no ads and no bank linking. Log an expense in five seconds, see your month on a calendar, and let Apple Pay taps and bank texts log themselves — you check every entry, nothing is hidden from you. AUTOMATIC LOGGING — NO BANK LINKING On-Device AI (Beta, opt-in) • Apple Pay taps log themselves — set up a Shortcuts automation once and every tap is added in the background • Bank texts log themselves too — debit and card-spend SMS become entries the moment they arrive • Share a bank message, receipt photo, or card email to Pocket Clear and it's logged for you • Quick Log on Home — paste, type, scan, or choose a photo — or tell Siri "Log an expense in Pocket Clear" • Ask — "How much on food this month?" — and get exact answers from your own transactions • Everything logged for you waits under Recent captures to check, edit, or undo • Read on your iPhone — nothing you share or ask is uploaded to Pocket Clear or any AI company; off until you switch it on SIMPLE & FAST • Add expenses in seconds with "Money In" and "Money Out" • Smart Suggestions turn a repeat expense into one tap • Custom categories with 95 searchable icons, plus subcategories • Split a transaction across categories, and search your whole history by note, amount, or payee • Dark mode, text size, decimal places, and 10+ languages BUILD THE HABIT • A daily reminder that learns the hour you usually log — and only nudges on days you haven't • Catch-up week — see the last seven days side by side and fill in the ones you missed • Road to 50 — rewards at 10, 25 and 50 entries; log 50 and invite one friend who logs an entry for 3 months of Pro if you've never paid • Invite friends — share your link in one tap • Power score — one number for your money habit, with a nightly rank and what to do next • Daily rings — close Log, Budget and Grow every day • A projection of where your month will land • Today's tip — one feature, illustrated, each day PRIVACY FIRST • Works offline once you're signed in • Your entries stay on your phone unless you use Cloud Sync • Synced entries are encrypted with AES-256 • Tap the eye on Home to hide every amount • No ads, no tracking, no data selling BUILT AROUND YOUR PAY CYCLE • Weekly, fortnightly, semi-monthly, monthly or yearly periods • Start your month on payday instead of the 1st • Carry a balance over from one period to the next REPORTS & INSIGHTS • Calendar view — each day's spending on a month grid; tap a day to see its entries • Insights — this week's spending at a glance, every Sunday • Spending and money in by category, with percentages on the chart • Tap a payment type to see every transaction behind it • Monthly and yearly trends, and a running "Spent today" total • An optional Account balances card on Home for each payment type • Home Screen and Lock Screen widgets, day streaks and milestones PRO FEATURES • Pro Insights — what's creeping up, your repeat charges, and where to cut back • Cloud backup & sync — change phones and everything is there the moment you sign in • Partner Mode — one shared view of your money with your significant other • Groups and Trips — split shared costs, and see what one trip actually cost • Receipt photos on any transaction, backed up with your data • Pocket Clear on the web — read, sort and export on a full screen • Payees — track who you paid, not just what for • Per-category budgets with alerts and rollover • Savings goals and recurring transactions • Tags and inter-account transfers • Secondary currency and Travel Mode for spending abroad • Export transactions to CSV/PDF Pro is available monthly or yearly. PERFECT FOR • Couples managing shared expenses • Expats and travellers tracking in multiple currencies • Anyone who values privacy and simplicity • Anyone leaving an ad-supported money manager or bank-linked app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spendcast is the privacy-first budgeting app that never sees your data. Every penny you track stays on your device -- no cloud servers, no bank logins, no third-party data sharing. Ever. SMART BUDGETING, ZERO COMPROMISE - Safe-to-Spend: Know exactly how much you can spend each day until payday - Unlimited Budgets: Track spending by category with color-coded progress bars - Bill Calendar: Visual monthly grid shows when every bill is due - Recurring Rules: Auto-log bills and income so you never miss a payment LOG TRANSACTIONS YOUR WAY - Manual Entry: Quick, clean transaction logging - Receipt Scanner: Snap a photo and let OCR extract the merchant, amount, and date - Barcode Scanner: Scan product barcodes for instant logging - Voice Logging: Just say "spent $12 at Starbucks" and Spendcast handles the rest - Quick Categories: 19 built-in categories with 90+ auto-categorization rules that learn from you AI-POWERED INSIGHTS - AI Chat Assistant: Ask questions about your spending in plain English -- all processed on-device - What-If Planner: Simulate cutting categories or boosting income and see 12-month projections - Spending Predictions: See where your month is heading before it gets there - Anomaly Detection: Get alerted to unusual charges and potential duplicates - Subscription Tracker: Find forgotten subscriptions costing you money - Financial Health Score: Get graded A-F across 5 financial health components REACH YOUR GOALS - Savings Goals: Track progress toward vacation, emergency fund, or any target - Debt Payoff Engine: Snowball or Avalanche strategies with interactive extra-payment slider - 15 Achievements: Gamified motivation from "First Step" to "Centurion" (100-day streak) - Net Worth Tracking: See your full financial picture -- assets vs. liabilities WORKS EVERYWHERE - Home Screen Widgets: Glance at safe-to-spend, streaks, and budget progress - Lock Screen Widgets: Key numbers always visible - Apple Watch App: Quick-log transactions from your wrist - Siri Shortcuts: "Hey Siri, log an expense in Spendcast" - iCloud Backup: Optional encrypted backup to iCloud COUPLES MODE Tag accounts as Mine, Partner, or Joint to manage shared finances while keeping individual spending private. YOUR DATA, YOUR RULES - 100% on-device storage (Apple SwiftData) - Zero cloud servers - Zero bank credential requests - AI runs locally -- no API calls - CSV export for full data portability - Delete the app = delete all data. Permanently. Spendcast Premium unlocks unlimited budgets, AI Chat, What-If Planner, Debt Payoff, receipt scanning, and more for just $59.99/year -- the lowest premium price in the category. Terms of Use: https://spendcastapp.com/terms.html Privacy Policy: https://spendcastapp.com/privacy.html