Spent. vs KeepTabs

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.

Know what your bills and subscriptions actually cost. Most people underestimate what leaves their account each month. KeepTabs adds it all up — streaming, broadband, insurance, the gym, that trial you meant to cancel — and shows you one honest number. See the real total Every bill and subscription in one place, with the true annual cost and what that works out at per day, week and month. Switch between monthly and yearly on any screen. Never get caught by a trial again Free trials are where the money goes quietly. KeepTabs tracks when each one ends, warns you early and again on the day, and shows exactly what you'll be charged if you do nothing. It can't cancel for you — no app can — but it makes sure you know in time. Know what's left to spend Type in what's actually in your account and KeepTabs works out what's safe to spend before your next payday, after everything still due comes out. Per day and per week, recalculating as the days pass — on the home screen, in a widget, and on your watch. Budget by payday, not by calendar month Tell KeepTabs when you're paid — daily, weekly, four-weekly or monthly, from more than one source if you have them — and see exactly what's still due before your next payday. Most people budget from payday to payday, not from the 1st to the 31st. See what it's really cost you Tell KeepTabs when you signed up and it adds up everything you've paid since — at the price it was at the time. Record a price rise and it remembers: "up from £5.99, three rises since you joined". Most people have no idea. Still worth it? KeepTabs asks you to look again at things you've been paying for a while, so something you stopped using doesn't quietly renew for another year. See what's coming A calendar of every payment, and a timeline of the months ahead. Annual renewals show up as the spikes they are, instead of hiding inside a monthly average. On your home screen and your wrist Widgets for the home screen, lock screen and StandBy. An Apple Watch app and complication showing your total, what's left to spend, and what's due next. Contracts and price rises Record when a minimum term ends and get a reminder a month ahead, while there's still time to switch. Know a price is going up? Enter it, and every forecast accounts for it. Private by design No account. No sign-up. No analytics. No ads. Your data stays on your device and syncs through your own iCloud — the developer can't see it. KeepTabs never asks for your bank details. Free Track up to five bills or subscriptions, with the full calendar, pay-period tracking, what's left to spend, trial tracking, price history, renewal reminders, widgets, the Apple Watch app, iCloud sync, currency conversion and Siri shortcuts included. KeepTabs Pro • Unlimited bills and subscriptions • Insights — where your money concentrates, and the month that hurts most • 12-month forecast, including price rises you've recorded • What each of the next few pay periods will cost • Overlap detection — spot two services doing the same job • Split household costs, so a shared bill only counts your share • Money saved — what cancelling has actually won back • Year in Review — your subscription year, shareable • Spend limits per category • Tags and custom categories • CSV export • Seven themes, plus create your own Available as a yearly subscription with a free trial, or a one-off lifetime purchase. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/