Spent. vs Money Mood

Your bank already tells you. Spent. writes it down. Spent. is a private expense tracker for iPhone. After a one-time Shortcuts setup, payments arrive from Apple Pay and, on iOS 27, from your bank's alerts. You check each one and it's logged. No account, no cloud, no tracking. BANK ALERTS (FREE, iOS 27) Your bank or wallet app already tells you when you've paid. Show Spent. one real notification by tapping the amount and the merchant, and every payment alert after that waits in your review list. No bank login, no connection to your bank, no server. 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. AI UNLOCK Screenshot your e-wallet history. Spent. fills in every row. It reads bank and wallet screenshots and receipts, turns "lunch 12" into an entry, and suggests clean names and categories. 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, and you can try it free for 7 days. 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. ASK LIL BIT (FREE) Lil Bit, the little bookkeeper inside Spent., answers from what you've recorded, right on your phone. • "How much on food this month?" • "How much at Target last month?" • "Compare this month and last" • "Am I over budget?" 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 • Double-tap the back of your iPhone on a payment screen to log it (one-time Back Tap setup) • Pick a category for new captures with one tap in your review list • Select several transactions and change their category, merchant, account or notes at once • See and edit what Spent. remembers about each merchant • Recurring transactions and duplicate detection • 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, bank alerts, Apple Pay capture, Lil Bit chat, receipt scanning, budgets and insights. AI Unlock is one payment for screenshot import, AI receipt reading, typed entries and AI suggestions. No subscription, ever. Your expenses, tracked privately.

Money Mood is a personal money tracker built around the amount you can use right now and the payday ahead. Start in the way that fits you: - Set your salary and payday for a recurring monthly money cycle. - Start with your current balance and add income when payday arrives. - Optionally confirm recurring income before it changes your balance. Keep everyday money management quick: - Add expenses and income in a few taps. - Check how a purchase affects the rest of the current money cycle before logging it. - Review a visual weekly spending story. - Spot likely upcoming subscriptions from repeated monthly charges. - Protect money for fixed, variable, or mixed recurring bills before Safe/day is calculated. - Add a cushion to variable costs such as electricity and water, then resolve a due bill with its actual amount or let matching transactions reconcile it. - Turn on due-date reminders for Bills Ahead; a resolved monthly bill releases its reserve and returns automatically next month. - Unlock richer insights naturally as you record transactions and return on new days. - Hide any unlocked insight from the dashboard whenever you want. - Optionally track borrowed cash with a repayment date, payday, or month-end schedule. - Keep outstanding borrowed cash reserved from Safe/day until it is marked repaid. - Enter large currency amounts faster with contextual zero shortcuts. - Create up to three wallets, each with its own default logging currency. - Log foreign-currency transactions with latest or manual exchange rates while keeping summaries in the base currency. - Switch the app language between system default, English, Vietnamese, and Burmese. - See your available money and recent activity at a glance. - Keep frequently used Quick Add categories visible and open the full category list only when needed. - Organize transactions with main categories, optional subcategories, and your own custom labels. - Create, edit, reorder, and delete labels from your profile. - Create custom subcategories under each main category. - Search, filter, summarize, paginate, and export transaction history from Activity. - Keep all app data stored locally on your device. No account is required.