Spent. vs Plut

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.

Plut is a simple, private way to plan monthly spending, record everyday transactions, organize trip budgets, remember recurring bills, and keep track of shared costs. Build a budget that fits your life, see exactly how much remains, and understand where your money is going without unnecessary complexity. Switch between Budget, Spent, and Track views to compare your plan with real spending. In Track, each category fills toward its budget and clearly shows when spending goes over. Add expenses manually, bring transactions in from a CSV file, or jump into a new expense from the Home Screen widget or Add Expense Shortcut. Plan a trip with its dates and budget, then see its travel expenses together while the budget flows into the month you choose. When you cover a shared expense, add or select friends as you enter it, assign what each person owes, and record partial or full paybacks as they happen. Business purchases can be kept visible without reducing your personal budget. Features: - Create monthly budgets with flexible spending categories - Record expenses, refunds, and income with an amount, date, and optional note - Schedule weekly, biweekly, monthly, or yearly recurring expenses - See upcoming bills below your expense summary and mark them paid or skip an occurrence - Optionally add recurring expenses automatically when they are due - See your remaining budget and category spending at a glance - Compare Budget, Spent, and Track views with interactive category charts - Tap Needs, Wants, or Savings to explore its categories - Press and hold chart sections for budget, spending, and transaction details - Choose a complementary chart palette and light, dark, or system appearance - Recognize common categories quickly with clear icons - Plan trips with a date calendar, dedicated budget, and category breakdown - Assign each trip budget and its expenses to the month you choose - Split expenses while counting only the amount you cover toward your budget - Add friends directly while entering a shared expense - Track outstanding friend balances and individual shared expenses - Record partial or full repayments - Separate business expenses into transportation, housing, and other spending - Import transactions from CSV with column mapping and a review screen - Start a new expense from a Home Screen widget, Siri, or the Shortcuts app - Review spending trends across multiple months - Move quickly between months with a simple calendar - Export and import backups whenever you choose Your budget data is stored in Plut’s private storage on your iPhone. No account is required, and Plut does not send your financial records to us. Plut is designed for personal budgeting and expense tracking. It does not provide financial, investment, tax, or legal advice.