Spent. vs Rekod

A private expense tracker that lives on your iPhone. Log spending by hand, from a receipt or straight from Apple Pay, and ask Lil Bit what you spent. No account. No cloud. No tracking. Meet Lil Bit, the little bookkeeper inside Spent. Ask "how much at Target last month?" and the total is there in a second. Lil Bit is free and answers from what you've recorded, right on your phone. ASK LIL BIT (FREE) • "How much on food this month?" Any category, any period • "How much at Target last month?" One merchant • "Compare this month and last" • "What was my biggest expense last month?" • "How much did I put on my Amex last month?" • "What's my monthly average?" Full months only • "Am I over budget?" Limit, spent and what's left • "What's my balance across accounts?" APPLE'S ON-DEVICE MODEL With AI Unlock, Spent. reads your receipts, turns "lunch 12" into an entry, imports screenshots of your bank or e-wallet history, and suggests categories for new captures. 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. Other iPhones download Spent.'s model once (3.6 GB). Either way it all happens on your phone, and you check every entry before it saves. APPLE PAY CAPTURE (FREE) Add the shortcut in Settings > Apple Pay Capture. 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. BANK NOTIFICATIONS (FREE, iOS 27) Your bank already tells you when you've paid. Show Spent. one real notification by tapping the amount and the merchant, and every payment after that lands in your review list. No bank login, no connection to your bank, no server. 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 receipts with on-device text recognition for free; AI Unlock fills in the details • Rename a bank's merchant once and Spent. remembers it • Recurring transactions, duplicate detection and merchant memory • 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 and never uses Private Cloud Compute. Your receipts, balances and habits stay with you. Free: manual tracking, Lil Bit chat, Apple Pay capture, bank notifications, receipt scanning, budgets and insights. AI Unlock is a single one-time purchase for AI receipt reading, typed entries, screenshot import and AI suggestions. No subscription, ever. Your expenses, tracked privately.

Rekod is a clean, fast expense tracker that helps you stay on top of your money without the complexity of traditional finance apps. Smart Expense Logging Just type naturally — "Coffee 15" or "Grab to KLCC 22" — and Rekod's AI automatically categorizes and logs it for you. No dropdowns, no fuss. Receipt Photos Attach a photo of your receipt to any expense. Snap it with your camera or pick from your library, crop it to fit, and keep it right alongside the expense for easy reference later — stored securely on your device. Budget at a Glance Set a monthly budget and see exactly where you stand. A daily safe-to-spend indicator tells you how much you can comfortably spend each day for the rest of the month. Savings Goals Create goals, contribute towards them, and watch your progress grow. Whether it's a holiday fund or an emergency cushion, Rekod keeps you motivated. Analytics & Insights See your spending broken down by category — this week, this month, or all time — and step back through previous months to spot trends. Monthly recaps highlight your patterns so you can spend smarter. Private & Secure Your data is stored locally on your device. Optional encrypted cloud backup keeps everything safe and synced — your finances stay yours. Multi-Currency Support Use Rekod in any currency that fits your life.