Pocket Clear vs Spenvo

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/

Your bank already texts you every time you spend. Spenvo turns those texts into your expense list for you, after a one-time setup, and keeps everything on your iPhone. No typing. No bank login. Every expense tracker asks the same thing of you: open the app and type in what you just bought. Almost nobody keeps that up. The person who built Spenvo never lasted a week. Your bank, meanwhile, already sends the most honest record of your spending there is: a text the moment money leaves your account, with the merchant, the amount and the time. Spenvo is built around that text. HOW IT WORKS Spenvo can't read your messages by itself; iOS doesn't allow it. So you add a ready-made Shortcuts automation from inside the app and switch it on. That takes a minute, once. From then on every bank text is handed to Spenvo and filed as an expense. You do nothing. Spenvo knows a purchase from a refund, an incoming credit, a failed payment, a one-time passcode or a card-bill payment, and leaves those out. Only money that actually left your account is counted. Every message is read on your iPhone. Several banks in the UAE and India work on any iPhone. For other banks Spenvo uses Apple Intelligence, which needs an iPhone 15 Pro or later with it switched on. Banks that send app notifications instead of texts work through a notification automation. FOR EVERYTHING ELSE • Scan a receipt. Point the camera and Spenvo reads the merchant, the date and the total. The photo stays with the entry. • Tell Siri. Say "Add expense to Spenvo". Siri asks how much and where. • Type it in. For cash, or anything else. Merchant, amount, category, done. SEE WHERE IT WENT Reports opens on six months of spending, so the first thing you see is whether this month is unusual. Tap a month to break it down by category or merchant. Spend in more than one currency and each stays in its own; Spenvo has no exchange rates and won't invent them. NOTHING LEAVES YOUR IPHONE No account, no server, no analytics or ads, no third-party code. Your expenses and receipt photos are stored on your iPhone, not on any server of ours. We couldn't look at your spending if we tried. Export a CSV or a full backup whenever you like. Delete the app and the data goes with it. That also means no sync between devices. Your expenses live on the iPhone you log them on. FREE FOR 30 EXPENSES A MONTH That covers every way of adding an expense, and resets each calendar month. Premium removes the limit, as a yearly subscription or a one-time lifetime purchase. Your expenses, exports and backups always stay available, on the free plan too. Requires iOS 27 or later. iPhone only. Terms of Use (EULA): https://spenvo.app/terms Privacy Policy: https://spenvo.app/privacy