SpentyAI vs iLekka

SpentyAI is your AI accountant in your pocket — built for India, powered by AI, and friendly enough that anyone can use it. Whether you're managing personal expenses, running a freelance business, or growing a small enterprise, SpentyAI puts an intelligent finance assistant on your iPhone and iPad. TALK TO YOUR FINANCES — AI DOES THE BOOKS Tell SpentyAI in plain English: "I spent ₹500 on lunch from HDFC card." The AI records the entry, picks the right category, posts the double-entry journal, and queues it for your one-tap approval. Ask "How much did I save this month?" and get an instant answer. No accounting jargon. No spreadsheets. AUTO-DETECT TRANSACTIONS FROM YOUR INBOX & SMS Connect Gmail or Outlook, or paste your bank SMS. SpentyAI reads only your transaction-related messages and drafts every entry — payments, salary credits, NEFT, UPI, RTGS, IMPS, EMIs, credit card bills. You scan, you approve. Books stay clean. NEVER MISS AN AUTO-DEBIT, MANDATE, OR SUBSCRIPTION AGAIN SpentyAI automatically finds every recurring charge buried in your email — NACH mandates, UPI AutoPay, SIPs, EMIs, insurance premiums, OTT subscriptions (Netflix, Spotify, Hotstar), gym memberships, and more. See exactly what's getting charged next month, when, and how much. Spotted a forgotten subscription you never use? Cancel it before the next charge and keep that money in your pocket. AI RECONCILIATION WHEN BALANCES DON'T MATCH Bank statement and your books don't agree? Upload the statement (PDF, Excel, or CSV — even password-protected). SpentyAI compares every line against your ledger and surfaces every conflict — duplicates, missed entries, wrong amounts, untracked charges. Fix the gap in minutes, not days. Complete audit trail every time. SYNC ACROSS YOUR DEVICES SpentyAI runs natively on your iPhone and iPad, with a fully-featured web companion at spentyai.com. Sign in with Apple or Google on any device — your data syncs instantly. Start an entry on your iPhone during your commute, finish reconciliation on your iPad at home, check projections from any browser. One account. Everywhere. SMART DASHBOARD See your net worth, monthly income, expenses, and pending approvals at a glance. Live across all your accounts. 24-MONTH CASH-FLOW PROJECTION See the next two years before they happen. Detected mandates and recurring payments project forward month by month so you know exactly what's coming. PROFESSIONAL GST INVOICES Create polished invoices with your business logo and full GST support — CGST, SGST, IGST, HSN codes. Email directly to clients, track payment status, see who's overdue, and manage debtor aging. PURCHASE BILLS, VENDORS & CREDITOR AGING Mirror invoicing on the buy side. Track every supplier bill with ITC-ready GST breakdowns. Know what you owe whom. RECEIPT SCANNER Snap a photo of any receipt or bill. AI extracts the merchant, amount, date, tax breakdown, and line items. REPORTS & ANALYTICS Visual breakdown of where every rupee went — by category, by account, by period. Export to CSV or PDF for your accountant or tax filing. RECORDS VAULT Every source email, .eml receipt, PDF, or screenshot is stored alongside its transaction. Searchable, downloadable, audit-ready. BUILT FOR INDIA, WORKS GLOBALLY INR with full UPI, NEFT, RTGS, IMPS, GST, and HSN/SAC support out of the box. Multi-currency support for international use. NOW FREE TO START SpentyAI is free to start — track expenses, talk to your finances, auto-detect transactions from email & SMS, reconcile statements, and see your cash-flow projection at no cost. A premium upgrade unlocks professional GST invoicing, purchase bills & vendor tracking, and the SpentyAI plugin for Claude and ChatGPT. Upgrade only if you need it — cancel any time. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spentyai.com/privacy Download SpentyAI today and let AI take the stress out of your money.

No typing. No receipts. No spreadsheets. iLekka is an automatic expense tracker for iPhone that turns your bank transaction SMS messages into a complete personal finance and money management system. Track expenses automatically, monitor spending, and stay on top of your budget—without manually entering transactions. Unlike traditional expense tracker apps, iLekka keeps your financial data private by storing everything in your own iCloud account. Nothing is sent to our servers. — HOW IT WORKS — Every time your bank sends a transaction SMS, iLekka automatically captures and categorizes the expense using Apple Shortcuts. Works with UPI transactions, debit cards, credit cards, net banking, and bank account debits. Supports SMS alerts from HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and other major Indian banks. Set it up once. Never manually log an expense again. — PRIVACY FIRST — Your financial data belongs to you. • Stored in your own iCloud account • No external servers • No account creation required • No ads • No tracking • No data harvesting iLekka follows Apple's privacy-first approach so your spending history remains under your control. — FEATURES — Automatic Expense Tracking Capture expenses automatically from bank SMS alerts. Every UPI payment, card transaction, ATM withdrawal, and account debit is recorded without manual effort. Smart Expense Categorization Automatically categorize spending into groceries, dining, fuel, shopping, bills, subscriptions, EMIs, travel, and more. Correct a category once and iLekka remembers your preference. Budgeting & Spending Analytics Understand where your money goes with monthly spending reports, category-wise breakdowns, trends, and insights. Personal Finance Dashboard Track your expenses, analyze spending habits, and make smarter financial decisions with a clear overview of your money. — BUILT FOR INDIA — Designed specifically for Indian banking and payment systems. • UPI transactions • Bank SMS alerts • Debit cards • Credit cards • Net banking • Major Indian banks No manual bookkeeping. No spreadsheets. No receipt scanning. — FREE FOR 60 DAYS — Get full access to all features free for 60 days. No credit card required. After the trial ends, choose either: • Monthly Subscription • Lifetime Access (one-time purchase) An active subscription or lifetime purchase is required to continue using iLekka after the trial period. ———————————————————————————— SUBSCRIPTION & PRICING • Payment is charged to your Apple ID upon purchase confirmation. • Subscriptions automatically renew unless cancelled at least 24 hours before renewal. • Your account will be charged for renewal within 24 hours before the current subscription period ends. • Manage or cancel subscriptions anytime from Apple ID Settings → Subscriptions. Privacy Policy: https://shared-record-5ae.notion.site/Privacy-Policy-35ba4adcfaf68048b753e6718ae5039b Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ———————————————————————————— iLekka. Know your money.