Spendler vs Life Admin Finance 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/

Life Admin is the personal finance app built on one idea: you should never pay a monthly fee just to see where your money is going. Track bills, subscriptions, expenses, savings goals, and debt — all in one place. Connect your bank for automatic detection, or go fully manual. Either way, the core app is free. BILLS AND SUBSCRIPTIONS See every recurring charge in one list. Know exactly what is due and when. Get push notifications 3 days out, the day before, and the day bills are due. BUDGET AND SPENDING LIMITS Build a custom spending plan and see a live breakdown of where your money goes. Set monthly caps by category and get alerted at 80% and 100%. SAVINGS GOALS Set goals with a target amount, monthly contribution, and projected finish date. Track every goal in one place — emergency fund, vacation, down payment, whatever matters to you. DEBT TRACKER Add every debt: credit cards, student loans, auto loans, medical bills. Pick snowball or avalanche and see your exact payoff timeline and estimated interest. CANCEL MANAGER See step-by-step cancellation instructions for hundreds of apps and services. Track what you have cancelled and how much you are saving every month. NET WORTH Track assets and liabilities. See your real net worth and watch it grow over time. CREDIT CARDS Track balances, available credit, and utilization across all your cards. INSIGHTS Month over month spending trends, top recurring charges, spending by category, and your annual burn rate without digging through bank statements. GAS TRACKER Log fill-ups, track cost per mile, and see monthly fuel spending. HOUSEHOLD Manage shared bills and expenses with a partner or family member. AUTOAI Ask questions about your finances in plain English and get answers based on your actual data. PUSH NOTIFICATIONS Bill due reminders. Spending limit alerts. Debt payoff milestones. Weekly spending summaries. All configurable. FREE FOREVER The core app is completely free. No subscription, no credit card, no catch. Connect your bank with Pro for automatic sync and AI features. PRO $6.99 per month or $49.99 per year. Connect your bank account with read only access. Automatic subscription and expense detection. Recurring transaction predictions. Receipt scanning with AI. Priority support. YOUR DATA Life Admin never sells your data. Bank connections are read only. Delete your account and all data at any time from the app.