Pocket Clear vs Chio

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/

Chio is a free one-tap expense tracker for iPhone: no ads, no account, no subscription, no in-app purchases, and it works offline. Most of what you spend today, you also spent last week. Chio notices that, and guesses what you're about to log. Coffee at 8, lunch at noon, the ride home: Chio learns the times and days you usually log and puts the right tile first. Tap it and it's recorded. No form to fill, nothing to type, no category to hunt for. — ONE TAP, MOST OF THE TIME — • Suggested tiles follow the hour and the day of the week, based only on what you have logged before • Items that always cost the same, like your usual coffee, are logged in a single tap • Items whose amount varies open the number pad, with a typical amount ready • Income is learned by day of the month, so payday shows up on its own • Tapped the wrong one? The Recorded bar lets you change the amount or undo, right away — PINS THAT NEVER MOVE — • Pin up to 4 items you log all the time • Pinned tiles stay exactly where you put them, so your thumb learns them • Suggestions sit in a row of their own and never push your pins around — LOG WITHOUT OPENING THE APP — • Home Screen widget in two sizes, plus a Lock Screen widget • Tap a tile on the widget and it's recorded • Switch to a nearby amount, or undo, right on the widget — HISTORY AND CATCH-UP — • View your entries by day, week or month • Forgot something yesterday? Add entries for past days • Tap any entry to edit it — SEE WHERE YOUR MONEY WENT — • Spending by category this month • This month against the same point last month • Income minus expenses this month • The days of the month that cost the most • A few plain observations from your own numbers, like what a daily coffee adds up to over a month, or where your current pace lands by month-end • Just numbers. No scores, no judging. — PRIVATE BY DESIGN — • No account. Open the app and start. • No ads, no analytics, no subscription. • Chio never connects to the internet. Everything, including the habit learning, runs on your iPhone. • Erase all your data from Settings whenever you like. — GOOD TO KNOW — • In version 1.0, your data lives on this one iPhone only. There is no iCloud sync yet: entries don't follow you to another device, and deleting the app deletes them. • 20 currencies. Switch at any time: keep your numbers as they are, or convert them at a rate you enter. • Available in English, Spanish, Japanese, Portuguese (Brazil) and Vietnamese. Chio is new, and this is its first version. If a suggestion feels off or something is missing, Settings → Send Feedback reaches the people who make it.