Spendler vs Klarr

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/

Klarr is a personal finance app that helps you see exactly where your money is going. Track your spending, import bank statements, scan receipts, and keep an eye on your subscriptions - all in one place, all stored privately on your device. IMPORT AND SCAN • Import bank statements from any bank in CSV, PDF, or spreadsheet format • Scan receipts with your camera to add transactions on the spot • Transactions are automatically sorted into the right categories • Duplicate transactions are detected and handled for you TRACK EVERYTHING • Add multiple accounts - bank accounts, credit cards, and wallets • Set monthly spending limits by category • See all your subscriptions in one place so nothing slips through • Track transfers between your own accounts SEE THE BIG PICTURE • Visual charts that show where your money comes from and where it goes • Spending by category, monthly comparisons, and trends over time • See how fast you are spending through the month • Budget progress so you always know where you stand YOUR PRIVACY MATTERS • Your data is stored locally on your device as the primary copy • While signed in, an encrypted backup syncs to your private account • No ads, no data selling, no third-party tracking • Export your data as a spreadsheet or PDF whenever you want ORGANIZE YOUR WAY • Create your own spending categories with custom colors and icons • Set rules to automatically tag transactions (e.g. "Netflix" goes to Entertainment) • Edit and organize imported transactions in bulk Whether you check in daily or do a monthly review, Klarr gives you a clear, honest picture of your finances - without the clutter, the ads, or the privacy concerns.