Comparison

Spent. vs Spent

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Spent.

This private expense tracker uses on-device AI to log spending, scan receipts, and provide instant answers about your finances. Set monthly budgets and track your money without an account or cloud storage.

Highlights
  • On-device AI expense tracking
  • Receipt scanning with AI extraction
  • Natural language logging
  • Monthly budgeting per category
  • Instant spending insights
  • No account or cloud required
  • Multi-currency support
Features
Read full description

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.

About

Spent

Features
Read full description

Meet Spent — the AI expense tracker that logs your spending in seconds. Just say it out loud or snap a receipt, and Spent captures the amount, category, and date for you. No endless forms, no fuss. Most money apps make tracking a chore. Spent makes it feel effortless — so you actually stick with it. WHY YOU'LL LOVE SPENT - Speak to track — Say "12 on lunch" and it's logged instantly. The fastest way to record an expense. - Scan any receipt — Snap a photo and AI pulls out the total, merchant, and date automatically. - Or just tap — Prefer to type? Quick-add an expense in a couple of taps. - See where it goes — Clean charts and a month calendar show your spending at a glance. - Budgets that stick — Set budgets by category and stay ahead before you overspend. - Any currency — Traveling or earning abroad? Track in your currency with automatic conversion. - Your categories — Tailor categories to match how you really spend. - Gentle reminders — Stay on top of logging and reviewing your money. - Export anytime — Send your history to CSV whenever you need it. PRIVATE BY DESIGN Spent works fully offline and keeps your data on your device first. No account needed to start. No bank connections. No selling your data — ever. BEAUTIFULLY SIMPLE Native, fast, and calm. Just the tools you need to understand your money, with none of the clutter. Download Spent and take control of your spending — one word, one receipt, one tap at a time. Spent requires a paid subscription to unlock unlimited logs. New members start with a free trial. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://khamidjon.github.io/spent-landing-page/privacypolicy/

Screenshots

Spent.4 screens
Spent4 screens

Verdict

The call

The clearest difference is iOS requirement: Spent. at 18.6 against Spent's 26.4. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spent. sells 1 one-off in-app purchase and Spent sells 3 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spent. ships an update every 10 days, Spent every 5 days. The most recent releases landed on October 25, 2026 and October 23, 2026 respectively.

Scorecard1 real difference · 8 level
Spent. versus Spent: the parameters behind the verdict, then further details
ParameterSpent.Spent
PriceFreeFree
Rating3.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 10 daysEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.6 — better26.4
Further details — not scored
Size34 MB28 MB
Age rating4+9+
DeveloperChee Leong CHONGKhamidjon Egamov

In-app purchases

1 purchases

Spent.

One-time1
  • AI Unlock$4.99
3 purchases

Spent

Subscriptions3
  • Weekly Premium$4.997 Days
  • Monthly Premium$9.991 Month
  • Annual Premium7 Days trial$39.991 Year

Questions

Is Spent. free?
Spent. is free to download, with in-app purchases available.
Is Spent free?
Spent is free to download, with in-app purchases available.
Do Spent. or Spent have ads?
Neither Spent. nor Spent shows ads.
Which is updated more often, Spent. or Spent?
Spent. ships an update every 10 days, and Spent every 5 days. Most recently, Spent. was updated on October 25, 2026 and Spent on October 23, 2026.

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