Spent. vs WatchThatDough

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.

The expense tracker for people who've given up on tracking expenses. You know the drill: download one, use it for four days, then quit when the plethora of features & options overwhelms you. Watch That Dough goes the other way. It does one thing, stupidly well - log a new expense in 3 seconds. So simple that the habit will actually stick this time. SHORTEST FLOW OF ANY APP Add amount, tap category, done. No extra options. Auto-saved by default. It works like a personal assistant that anticipates your next move. WHY IT WORKS You make hundreds of little purchases a year - logging each of them should cost you next to zero brainpower. - Add an expense in 3 seconds - just 2 taps - No overwhelming features to wade through - Lightning-fast, buttery UI WHAT YOU GET - Quick-add buttons (+50, +10, +5, +1) to reach any amount in a tap or two - Your own categories, created in seconds - A running monthly total and a clean category summary - One-tap undo and edit, for when your thumb slips - Export everything to CSV whenever you like PRIVATE BY DESIGN Your money is nobody's business. Everything stays on your iPhone - no account, no sign-up, no cloud, no tracking, no ads. The app doesn't even connect to the internet. HONEST ABOUT WHAT IT ISN'T Radical focus means saying no. There's no bank syncing, no recurring expenses, no splitting to the exact cent. If you want a spreadsheet that lives in your pocket, this isn't it. If you want to finally build the habit of tracking your finances - it very much is. Pay once. No subscription, ever. Start the habit today. Watch That Dough.