Spendler vs Cerdito

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/

Cerdito anota tus gastos por ti. Conecta tu correo y cada consumo de tu tarjeta llega solo, como una notificación para revisarlo en un toque. • Tus consumos se anotan solos: lee los avisos de BCP, Interbank, BBVA, Diners Club, Banco Falabella, Sip, Yape y Plin. • Conecta Outlook o Gmail en un par de minutos. • Importa gastos desde una foto con IA. • Analista IA: pregúntale dónde recortar y cómo ahorrar. • ¿Puedo gastar?: te dice al toque si te alcanza y hasta cuánto. • Análisis: tu mes contra el anterior, a dónde vas a llegar y tus hábitos. • Tendencias de 6 y 12 meses, también por categoría. • Presupuesto por categoría. • Ingresos y cuánto te queda del mes. • Tu ahorro total y metas de ahorro. • Medios de pago: cuánto gastas con cada tarjeta. • Plantillas para tus gastos de siempre. • Categorías, super categorías y etiquetas. • Gastos en otras monedas, convertidos a la tuya. La IA solo se usa si das tu permiso; puedes quitarlo cuando quieras desde Configuración. SUSCRIPCIÓN Cerdito Premium Anual (con 14 días de prueba gratis) o Cerdito Premium Mensual. El pago se cobra a tu cuenta de Apple al confirmar la compra. La suscripción se renueva automáticamente salvo que la canceles al menos 24 horas antes de que termine el periodo. Puedes administrarla y cancelarla en los ajustes de tu cuenta de App Store. Política de privacidad: https://www.cerdito.app/privacy-policy.html Términos de uso (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/