Lode vs SpendPouch

Lode is an AI expense tracker that turns plain language into clean personal finance records. Type "coffee 5" or just say what you spent — Lode creates the transaction for you. No long forms, no menu diving. AI detects the category, amount, date, note, and currency, then keeps your money organized. SMART, EFFORTLESS ENTRY - Natural language: write or speak a few words, get a ready transaction - Scan receipts — AI reads the amount, store, and date - Learns your habits for faster, more accurate categorizing ASK LODE ANYTHING - Chat with Lode about your money — "How much did I spend on coffee this month?" - Get plain-language answers about balances, budgets, and trends - Ask hands-free with Siri, too SEE WHERE YOUR MONEY GOES - Income and spending statistics, side by side - Daily cost and daily income, trends, and category breakdowns - Smart insights that explain your numbers in plain words PLAN AHEAD - Budgets with alerts before you overspend - Bills and reminders so nothing slips - Savings goals with progress tracking - Debts — who owes whom, and how much is left BUILT FOR REAL LIFE - Multiple currencies with live exchange rates and a built-in converter - Shared accounts for family or partners, synced across devices - Home Screen, Lock Screen, and Control Center widgets - Siri Shortcuts to add transactions, check balances and budgets, or hear a monthly report - Smart import from CSV, Excel, or other finance apps — AI maps your data automatically PRIVATE BY DESIGN - Your data syncs securely through iCloud - No ads, no selling your data Start with a few words. Lode does the rest. Terms of Use (EULA): https://lodeapp.framer.website/term-of-use Privacy Policy: https://lodeapp.framer.website/privacy-policy

SpendPouch is a private expense and income tracker with a receipt vault, built for freelancers and small businesses that want simple records without bank sync. Log expenses and income manually, issue a simple invoice and track when it's paid, attach receipts or PDFs, review local OCR output before saving, and keep the documents you may need later for returns, warranties, reimbursement, or your own business records. SpendPouch focuses on a calm manual workflow first. What you can do: Track expenses quickly Create manual entries with amount, merchant, date, category, and notes. Make your own categories Add custom categories with a name, icon, and color alongside the built-in set. Track income and issue invoices Log income alongside expenses, issue a simple invoice for a client with a due date, and mark it paid when it's settled. SpendPouch books the income on the date you mark the invoice paid, not the date you issue it, and never counts VAT as income. These are your own records, not tax advice. Mark business spending and VAT Flag an expense as business or tax-deductible and set a VAT rate. SpendPouch fills the inclusive tax and shows a clear net, VAT, and gross split, with monthly business, deductible, and VAT totals in Insights. These are your own records, not tax advice. Use voice capture Hold the add button to speak an expense, then review the editable draft before saving. Voice capture uses Apple's iOS speech recognition to create an editable transcript; SpendPouch never sends your audio to its own servers or the AI provider. Speed up receipts with optional AI Assist Snap a receipt or PDF and let optional AI Assist extract the VAT, total, merchant, and date, so a messy receipt becomes a reviewed, categorized expense in one step. Only the on-device text is sent to the AI provider — never your receipts, images, or audio — and you review every field before it is saved. AI Assist is a separate, optional, pay-as-you-go add-on; manual tracking, voice, and local OCR always work without it. Keep receipt and PDF proof Attach receipt photos and PDFs to expenses, then browse them later in the vault. Review local OCR Use local OCR preview for receipt/PDF review without treating extracted text as final financial truth. See income, spending, and profit at a glance A money-story dashboard shows this month's income, expenses, net (profit), invoices still outstanding, and an amount you choose to set aside for tax — tap any figure to see the entries behind it. This is an informational summary you control, not a tax calculation. Export your records Prepare a CSV export for any date range, including business, VAT, and tax-deductible columns. Freelancer also bundles a one-tap accountant export pack: a CSV, a profit-and-loss summary, and every matching receipt file in a single zip you share with your accountant. Stay private by default Your expense amounts, merchant names, notes, voice transcripts, receipt/PDF contents, OCR text, and exports stay on device by default. SpendPouch does not use bank sync, advertising tracking, product analytics SDKs, or session replay in the first release. Choose your plan Start free: log expenses and income manually, make custom categories, keep a receipt and PDF vault with on-device OCR review, capture by voice, see a simple monthly picture, and export a CSV — all on device. Freelancer unlocks the full app plus the business toolkit: unlimited tracking, business, deductible, and VAT/KDV flags with a net, VAT, and gross split, income tracking with a profit/loss view, invoicing with due dates and mark-as-paid, and the one-tap accountant export pack (a CSV, a profit-and-loss summary, and every matching receipt in one zip). Freelancer is free for 7 days for new subscribers and includes an optional AI Assist receipt allowance when AI features are enabled. SpendPouch is for personal organization. It does not provide financial, investment, tax, legal, or guaranteed-savings advice.