Spendler vs Expense 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/

Most budgeting apps want your bank login, a subscription, and twenty minutes of setup before they tell you anything useful. Then they hand you a pie chart, when the only thing you wanted to know was whether you can afford dinner tonight. MoneyDot answers that one question, every time you open it: how much can I spend? You tell it your budget for the month. That's the whole setup. From then on, the first thing you see is how much of it is left — in big numbers, at the top, before you scroll or tap anything. 100 DOTS FOR YOUR MONTH Under the number sits a grid of 100 dots. They empty out as you spend. You can tell how the month is going from across the room, without reading a single figure. ADDING AN EXPENSE TAKES ABOUT FIVE SECONDS Tap the button next to the tab bar. Type the amount on the keypad that's already there. Tap a category — food, transport, whatever you made. Done. No forms, no receipt photos, no "which account was this from". Got the amount wrong? Tap Undo. You have five seconds on anything you add, change or delete. THE STUFF THAT REPEATS, REPEATS BY ITSELF Rent, Netflix, the gym, your phone bill. Set them up once — start, middle or end of the month — and MoneyDot enters them on the right day, on its own, dated correctly. Nothing to confirm, no list of things waiting for you. Pause one for a month, skip one, or change it like any normal expense. SEE WHERE THE MONEY WENT - Today: what you've spent, and what's left of today's share - A square for every day of the month — the darker it is, the more you spent that day - A calendar showing each day's total - Your recent expenses, and every past month you can scroll back through Tap any day to see exactly what you bought. A WIDGET ON YOUR HOME SCREEN Small or medium. Shows what's left this month, so most days you don't need to open the app at all. IT SPEAKS YOUR MONEY 154 currencies, from dollars to ringgit to yen. Six ways to write numbers — 1,234.56 or 1.234,56 or 1 234,56, with or without the cents. It picks the right one from your phone's region on the first launch, and you can change it whenever. A REMINDER ONLY IF YOU WANT ONE Off unless you turn it on. If you do, it's one gentle nudge a day, roughly when you normally log things — and it stays quiet on days you've already logged. No streaks to lose, no red warnings, no "you've overspent again". YOUR MONEY STAYS ON YOUR PHONE No account to create. No bank to connect. No cloud, no sync, no ads. Everything you type lives on your device and only there. When you want it elsewhere, export a month to a spreadsheet file through the share sheet. When you want it gone, erase everything from Settings. Three looks to choose from — Paper, Dusk and Void — or let it follow your phone. MoneyDot is a budgeting app, not an accounting program. It tells you where you stand; it doesn't lecture you. If what you want is to know whether lunch is affordable before payday, that's the entire app.