SpendLens vs Montra

SpendLens helps you see exactly where every dirham, riyal, and dollar goes — without connecting your bank or creating an account. Track daily spending, let purchases from Apple Pay and your bank's texts and notifications add themselves, and spot trends with a private, beautiful expense tracker built for your iPhone. Most people underestimate their daily spending by 30%. SpendLens closes that gap. TRACK EVERY EXPENSE IN SECONDS Add expenses with a single tap on the floating action button. Pick a category from the grid, enter the amount, optionally add a note. Done in under three seconds. PURCHASES THAT ADD THEMSELVES — FREE • Bank texts: when your bank texts you a transaction alert, SpendLens turns it into an expense. Set it up once with a simple Shortcuts automation — no bank login, no account linking. • Apple Pay in shops: tap to pay and the purchase appears with the shop's real name. It never leaves your iPhone. • Bank app notifications (iOS 27): catch online and in-app purchases too. • If the same purchase arrives from more than one place, it's counted once. SCAN RECEIPTS ON YOUR DEVICE Snap a photo of any receipt and SpendLens reads the amount, date, and merchant — completely on-device. The image never leaves your phone. SEE THE TRENDS Compare this month to the same point last month. Spot which categories are growing or shrinking. Daily spending charts reveal patterns you didn't know existed. SPENDING LIMITS, WHEN YOU'RE READY Track first. When you're ready, set a monthly limit and see how much you can still spend each day — SpendLens can even suggest one from your usual month. With Pro, get a heads-up when you're spending fast, and set limits for single categories like eating out. 57 CURRENCIES Travel, expat life, mixed currencies — no problem. Track expenses in any currency and SpendLens converts everything to your home currency automatically. Original amounts are always kept. WIDGETS FOR EVERY MOMENT See today's spending right on your home screen. Five widget variants included: small (free), medium and large (Pro), plus circular and rectangular lock screen widgets (Pro). EXPORT YOUR DATA Export expenses as CSV for spreadsheets, or as beautifully formatted PDF reports for taxes and reimbursements. Your data, your way. SIRI & SHORTCUTS Say "Add expense in SpendLens" to jump straight to the add screen, or ask Siri how much you spent today or this month and get an instant answer. FULLY IN ARABIC A complete right-to-left Arabic interface, with clear, easy-to-read numbers. PRIVATE BY DESIGN No accounts. No bank linking. No ads. No third-party trackers or analytics SDKs. Everything you enter stays on your device, with optional iCloud sync across your Apple devices. The one feature that uses the internet — automatic reading of your bank's texts and notifications — is opt-in, off by default, and never stores or sells your data. You're always in control. SpendLens Pro unlocks spending alerts and category limits, custom categories, receipt scanning, dashboard insights, spending trends, all widgets, CSV & PDF export, and custom app icons — for a one-time purchase. No subscription needed. (Adding purchases automatically is free for everyone.) Made with care in Abu Dhabi.

Montra is a clean, private expense tracker built around how you actually get paid. Instead of forcing you into a calendar month, Montra tracks your money based on your salary cycle, so your balance always reflects your real financial month. KEY FEATURES Salary Cycle Tracking Set your salary day and Montra automatically groups transactions into your personal financial month. If your salary lands on the 25th, your month runs from the 25th to the 24th, the way you actually live. Smart Analytics See spending by category with a beautiful donut chart, track daily spending patterns, discover your top category, and monitor your daily average, all powered by Swift Charts. Quick Transaction Entry Add income or expenses in seconds with amount, category, note, date, time, and currency. Choose from 10 expense categories (Restaurants, Coffee, Shopping, Transport, Bills, Entertainment, Education, Health, Groceries, Other) or 4 income categories (Salary, Freelance, Investment, Other). Full Arabic and English Support Complete right-to-left layout and native translations across the entire app. Type numbers using any keyboard, Arabic numerals are automatically normalized. Multi-Currency Track in 10 currencies: SAR, USD, EUR, GBP, AED, KWD, BHD, QAR, OMR, and EGP. Monthly Budget Set your monthly budget and Montra factors it into your available balance for smarter spending decisions. Beautiful Dark Design A carefully crafted dark interface, easy on the eyes and stunning on your device. CSV Export Export all your transactions as CSV whenever you need. Your data is always yours. 100 Percent Private - No accounts - No cloud sync - No analytics - No network calls - All data stays on your device Montra is designed for people who want a simple, honest tool for managing money, without subscriptions, ads, or data collection. Download Montra and start tracking your money the way it actually flows.