Spent vs Spent.

Spent is a privacy-focused expense tracker and budget planner that keeps all your financial data on your device — no accounts, no cloud, no data collection. EXPENSE TRACKING MADE SIMPLE • Log daily expenses, income, and transfers in seconds • Manage multiple accounts — Cash, Bank, Savings, Credit Card & more • Custom categories with icons and colors to organize your spending • Quick-add expenses via Back Tap, app icon shortcuts, or clipboard paste BUDGET PLANNER & SPENDING ALERTS • Set monthly budget goals — overall or per category • Get smart push notifications at 80% and 100% of your budget • Real-time budget progress bars on your dashboard • Never overspend again with daily spending check-ins RECEIPT SCANNER WITH OCR • Scan receipts using your camera or photo library • On-device text recognition extracts amount, merchant, and date automatically • No internet needed — all processing happens on your phone • Confidence indicators show extraction accuracy MONEY INSIGHTS & SPENDING ANALYSIS • Discover your spending personality — Saver, Balanced, Spender, or Impulse Buyer • Pattern detection reveals habits like Weekend Splurge and Late-Night Shopping • Monthly financial stories with animated recaps of your spending • Visual reports with charts, CSV export, and PDF generation CURRENCY CONVERTER & MULTI-CURRENCY • Convert between 80+ currencies with live exchange rates • Log transactions in foreign currencies with auto-conversion • Works offline with cached rates — perfect for travel TRIP EXPENSE SPLITTER • Create trips, add members, and log shared expenses • Split bills equally, by amount, or by percentage • Smart settle-up calculator shows minimum payments needed RECURRING TRANSACTIONS & SUBSCRIPTIONS • Automate daily, weekly, or monthly recurring expenses • Track all your subscriptions with renewal reminders • See your true monthly subscription burn rate at a glance FINANCIAL CALCULATORS • EMI Calculator with full amortization schedule • Interest Calculator — compare simple vs compound interest • Plan loans, fixed deposits, and investments LEARN PERSONAL FINANCE • 100 bite-sized financial literacy lessons across 5 levels • Swipeable card-based learning — Hook, Insight, Action Step & Takeaway • Progress tracking from Awareness to Investor Mindset SAVING GOALS • Set savings targets with deadlines • Track contributions and visualize progress • Stay motivated with projected completion dates PRIVACY & SECURITY • 100% offline — your financial data never leaves your device • Biometric lock — Face ID, Touch ID, or Fingerprint protection • No sign-up required — start tracking in seconds • No ads for premium users — one-time lifetime purchase DESIGNED FOR EVERYONE • Light, Dark, and System theme modes • Works beautifully on phones and tablets • Smart notifications — daily reminders, weekly insights, monthly reports • Export your data anytime — CSV, PDF, or visual charts Download Spent today and take control of your money — privately.

Your bank already tells you. Spent. writes it down. Spent. is a private expense tracker for iPhone. After a one-time Shortcuts setup, payments arrive from Apple Pay and, on iOS 27, from your bank's alerts. You check each one and it's logged. No account, no tracking, and your records stay on your phone. BANK ALERTS (FREE, iOS 27) Your bank or wallet app already tells you when you've paid. Get the shortcut and choose those apps. There's no rule to write: each payment alert waits in your review list, and Spent. learns which account it belongs to from what you approve. No bank login, no connection to your bank, no server. Apple Pay capture (FREE) Add the shortcut in Settings > Apple Pay. Each time you pay with Apple Pay, the purchase waits in your review list with the merchant and amount filled in. Approve them one at a time or all at once. AI UNLOCK Screenshot your e-wallet history. Spent. fills in every row. It reads bank and wallet screenshots and receipts, turns "lunch 12" into an entry, and suggests clean names and categories. On iPhone 15 Pro or later running iOS 26 or later with Apple Intelligence on, this runs on Apple's on-device model with nothing to download, and you can try it free for 7 days. Other iPhones download Spent.'s model once (3.6 GB). Either way it reads on your phone (Cloud check, below, is the one optional exception), and you check every entry before it saves. ASK LIL BIT (FREE) Lil Bit, the little bookkeeper inside Spent., answers from what you've recorded, right on your phone. • "How much on food this month?" • "How much at Target last month?" • "Compare this month and last" • "Am I over budget?" BUDGETS Set a monthly limit for any category and Insights draws a quiet bar under it, so you can see under, near or over at a glance. Per currency, and included in your backups. WHAT ELSE YOU CAN DO • Track expenses, income and transfers across accounts • Multi-currency: each account keeps its own currency, with no conversions • Insights by category and merchant, month over month • Scan a pile of receipts for free with on-device text recognition; each waits in your review list with its photo • Double-tap the back of your iPhone on a payment screen to log it (one-time Back Tap setup) • Pick a category for new captures with one tap in your review list • Select several transactions and change their category, merchant, account or notes at once • See and edit what Spent. remembers about each merchant • Recurring transactions and duplicate detection • Home Screen widget to log, scan or ask in one tap; it shows no data by design • Privacy mask hides every balance with one tap • Siri and Shortcuts • Full backup and restore, any time PRIVACY BY DESIGN Spent. has no server and no account. Nothing is collected, so there is nothing to leak. The AI runs on your iPhone. Cloud check is optional: only if you allow it, Spent. sends the text it read, never the photo, to Apple's Private Cloud Compute for a second look, and Apple can't store it. Your receipts, balances and habits stay with you. Free: manual tracking, bank alerts, Apple Pay capture, Lil Bit chat, receipt scanning, budgets and insights. AI Unlock is one payment for screenshot import, AI receipt reading, typed entries and AI suggestions. No subscription, ever. Your expenses, tracked privately.