Spendler vs Lunor Expense & Budget Tracker

Track every dollar — without linking your bank. Spendler is the expense tracker for people who want to actually understand their money, not just watch it disappear. Log spending in seconds. See where it really goes. Build the habits that make budgets stick. No bank login. No data harvesting. No financial accounts to connect. Your money, in your hands. — LOG SPENDING IN SECONDS — Add an expense in three taps: amount, category, done. Attach a photo of the receipt by scanning it with your camera. Track cash, credit cards, debit, and digital wallets — all in one place. Bookmark important transactions to find them later. — BUDGETS THAT ACTUALLY WORK — Set a monthly spending limit and category-level budgets. Watch your real spending tick against your plan in real time. Compare month-over-month and finally see the patterns hiding in your habits. — NEVER MISS A SUBSCRIPTION — Add every recurring payment — Netflix, Spotify, gym, insurance, that random app from 2022. Get notified the day before any subscription renews so nothing slips through. — SAVINGS GOALS — Build goals for what matters: emergency fund, travel, a new laptop, a first apartment. Track every contribution. Hit the milestone. Start the next one. — SMART AUTO-CATEGORIZATION — Set keyword rules once and Spendler categorizes transactions automatically as you log them. "Chipotle" → Food. "Uber" → Transport. No more sorting receipts on a Sunday night. — REPORTS YOU'LL ACTUALLY READ — See spending trends by week, month, or year. Break down by category and drill into sub-categories to find your real money leaks. Spot the patterns. Fix the leaks. — ASK PENNY — YOUR AI MONEY ASSISTANT — Chat with Penny, the built-in AI that actually knows your spending. Ask "how much did I spend on coffee this month?" or "what's my biggest leak?" Get answers, not spreadsheets. — PEOPLE & SHARED EXPENSES — Track money you've lent, money you owe, Venmo splits with roommates, the dinner you covered last week. Running balance per person. No more awkward texts. — OFFLINE-FIRST, PRIVACY-FIRST — Log transactions without internet — Spendler syncs the moment you're back online. Hide your balance instantly when someone's looking over your shoulder. Sign in with Apple or Google for secure iCloud backup. — BUILT FOR REAL LIFE — - Daily reminders and weekly spending reports - 25+ currencies with proper locale formatting - Clean, minimal black & white design - Income tracking, not just expenses - Works on iPhone and iPad PERFECT FOR: - Young professionals tracking their first real paycheck - College students managing tight budgets - Freelancers with variable income - Couples splitting shared expenses - Anyone who tried bank-linking budget apps and wanted something simpler, manual, and private Privacy Policy: https://spendler.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Lunor is the expense tracker that gets out of your way. Log a spend in three seconds, split it with friends, set a budget, and see where the month went. Everything works offline, nothing needs a bank login. LOG IT FAST Add an expense in three taps, or just say it: "spent 350 on lunch at Subway" Snap a receipt and the amount, merchant and date fill in Siri and the Action Button on iPhone, Apple Watch with complications, home screen widgets Auto-log every Apple Pay tap with a Shortcuts automation SPLIT BILLS WITHOUT THE AWKWARDNESS Split any expense equally or with custom shares See who paid you back and who still owes, per person One-tap reminders, and record repayments as income STAY ON BUDGET Budgets per category, account, payee or tag, with daily, weekly, monthly or yearly periods Warnings before you overspend Recurring bills and income add themselves UNDERSTAND YOUR MONEY Spending by category, payee and tag; monthly and daily trends Custom charts for the questions only you ask Star the transactions that matter and find them in one place Calendar heatmap of your spending days BUILT FOR INDIA, WORKS ANYWHERE Rupee first, with every currency supported Credit cards as accounts: outstanding, limit and utilisation Import from CSV or Excel, export by date range Lunor on the web for the big screen PRIVATE BY DEFAULT Offline-first: your data lives on your phone and syncs when you're online Biometric lock, hide balances with one tap No bank credentials, ever Free includes accounts, categories, budgets and unlimited transactions. Premium unlocks unlimited accounts, categories, tags and budgets, voice logging, receipt scanning, every chart, data export, widgets and the Watch app. Terms: https://lunorwealth.in/terms Privacy: https://lunorwealth.in/privacy