Spendler vs Pocket

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/

Pocket is the expense tracker that gets smarter every time you use it. No spreadsheets. No manual setup. Just open the app, confirm what it already knows, and move on. LEARNS YOUR HABITS Pocket silently learns your patterns. It knows you grab coffee on weekday mornings, order food on Friday evenings, and pay your subscriptions on the same date. Over time, it pre-fills amounts, pre-selects categories, and surfaces the right merchants before you even start typing. ADD AN EXPENSE IN UNDER 5 SECONDS Open the app. Your most likely amount is already suggested. Category and merchant suggestions are ready as instant-tap chips. Confirm and you're done. Pocket is faster than any other expense app on the market. YOUR DASHBOARD IS YOUR COMMAND CENTER One number tells you everything: Left to Spend. Not just your balance — your budget minus upcoming known expenses, recalculated daily. Below it, a monthly timeline shows the shape of your spending. Customise list views to show/hide tags and account details. SMART FEATURES THAT WORK QUIETLY - Time-aware amount suggestions based on your last 90 days - Category & Subcategory suggestions as you type - Merchant memory ranked by frequency and recency - Automatic recurring bill detection — no manual setup - Spending spike alerts when any category exceeds 2x your average - Contextual bank account memory — remembers which account you use - Account-to-Account transfers — move money without skewing expense totals - Biometric App Lock — secure your data with FaceID / TouchID unlock ICLOUD & LOCAL BACKUPS Enjoy complete peace of mind. Pocket automatically backs up your data to iCloud in the background—keeping it secure and entirely private. You can also export your history as a secure, local .pocket file. RECEIPTS & DOCUMENT ATTACHMENTS Never lose a receipt. Snap a photo, choose from your gallery, or upload PDF invoice files directly to any transaction. View full-screen interactive previews anytime. NESTED SUBCATEGORIES & CUSTOM TAGS Track spending with total precision. Create custom tags to filter transactions across dimensions, and use nested subcategories (like Food > Groceries) for granular logs. Easily bulk-update subcategories for past transactions. HOME SCREEN WIDGETS Keep your finances visible. The Quick Add widget lets you log expenses directly from your home screen in two taps. Today's spend and monthly total are always visible. Fully supports Light and Dark themes. MULTIPLE BOOKS & ACCOUNTS Separate personal and business expenses with Books. Switch between them instantly. Copy existing bank accounts between Books. Adjust cash balances with automatic offset calculations, and view total balances across Cash, Banks, and Wallets. INTERACTIVE ANALYTICS See spending by category, subcategory, merchant, account, and time period. Tap any segment in your charts to jump straight to its pre-filtered transaction list. COMPLETELY PRIVATE BY DESIGN No account required. No cloud sync to third-party servers. No ads. Ever. Every piece of data lives on your device. All suggestions, patterns, and predictions run entirely on-device. Nothing is sent anywhere. AVAILABLE IN 18 LANGUAGES English, Arabic, Chinese (Simplified & Traditional), French, German, Spanish, Portuguese, Italian, Japanese, Korean, Dutch, Polish, Swedish, Czech, Thai, Indonesian, Vietnamese, and Malay.