Klarr vs Kentrove

Klarr is a personal finance app that helps you see exactly where your money is going. Track your spending, import bank statements, scan receipts, and keep an eye on your subscriptions - all in one place, all stored privately on your device. IMPORT AND SCAN • Import bank statements from any bank in CSV, PDF, or spreadsheet format • Scan receipts with your camera to add transactions on the spot • Transactions are automatically sorted into the right categories • Duplicate transactions are detected and handled for you TRACK EVERYTHING • Add multiple accounts - bank accounts, credit cards, and wallets • Set monthly spending limits by category • See all your subscriptions in one place so nothing slips through • Track transfers between your own accounts SEE THE BIG PICTURE • Visual charts that show where your money comes from and where it goes • Spending by category, monthly comparisons, and trends over time • See how fast you are spending through the month • Budget progress so you always know where you stand YOUR PRIVACY MATTERS • Your data is stored locally on your device as the primary copy • While signed in, an encrypted backup syncs to your private account • No ads, no data selling, no third-party tracking • Export your data as a spreadsheet or PDF whenever you want ORGANIZE YOUR WAY • Create your own spending categories with custom colors and icons • Set rules to automatically tag transactions (e.g. "Netflix" goes to Entertainment) • Edit and organize imported transactions in bulk Whether you check in daily or do a monthly review, Klarr gives you a clear, honest picture of your finances - without the clutter, the ads, or the privacy concerns.

Kentrove is a private, local-first expense tracker that helps you take control of your money without giving up your data. Transactions, budgets and receipts are stored locally on your device. There's no account to create, no password to remember, and no server holding your financial life. When you want a safety net, optional iCloud Backup keeps an encrypted copy in your own iCloud account — invisible to us, accessible only to you. — WHY KENTROVE — • No sign-in. Open the app and start tracking. Ever. • Local-first. Your data lives on your device in an encrypted database, not on our servers. • Your cloud, your control. Backups go to your own iCloud account using Apple's encrypted CloudDocuments service. • No subscription required for core tracking. • Built for the way real people manage money — not for spreadsheet enthusiasts. — WHAT YOU CAN DO — • TRANSACTIONS — Add income and expenses in seconds. Attach a receipt photo. Categorize at a glance. • ACCOUNTS — Track bank accounts, cards, wallets, and cash in one place. Get a clear picture of where your money actually is. • BUDGETS — Set monthly or custom budgets per category. See exactly how much room you have left before payday. • EMIs & LOANS — Track every EMI, due date, and remaining principal. Never miss a payment. • GOALS — Save for what matters. Set a target, contribute regularly, watch progress build. • ATTACHMENTS — Snap a photo of any receipt, bill, or document and attach it to the transaction. All stored locally on your device. • VOICE ASSISTANCE — Optional voice commands and Siri shortcuts help you record entries and open reports. Voice permissions and access to financial answers are under your control in Settings. • INSIGHTS — Clear charts and breakdowns by category, month, and account. Spot patterns. Understand habits. • CLOUD BACKUP — Optional, one-tap iCloud Backup. Switch devices, recover from a reset, restore in one tap. Your backup lives in your own iCloud — we never see it. — PRIVACY YOU CAN ACTUALLY VERIFY — Kentrove does not store your financial records on its own servers. Optional encrypted backups go to your own iCloud account. Voice recognition prefers on-device processing where supported; Apple's speech service may process audio otherwise. Sharing diagnostics and analytics is optional and can be changed in Settings. When enabled, Firebase Analytics and Crashlytics process usage, device and crash information, including SDK identifiers. Financial entries and voice transcripts are not sent to Firebase. iOS ads are non-personalized; advertising SDKs may still process device, advertising and diagnostic information. See our privacy policy for details. — SUPPORT — Questions, feedback, or feature requests? Reach us at support@kentrove.com or visit kentrove.com.