SpendLens vs PennyWise AI Expense Tracker

SpendLens helps you see exactly where every dirham, dollar, and euro goes — without connecting your bank or creating an account. Track daily spending, automatically capture transactions from your bank's SMS alerts, 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. AUTO-CAPTURE FROM YOUR BANK'S SMS — FREE When your bank texts you a transaction alert, SpendLens can turn it into an expense for you. Set it up once with a simple Shortcuts automation, and new transactions land in your Inbox to review and approve in a tap — no bank login, no account linking. Free for everyone. SCAN RECEIPTS WITH ON-DEVICE AI Snap a photo of any receipt and SpendLens uses Apple's Vision framework to extract the amount, date, and merchant — completely on-device. The image never leaves your phone. SEE THE TRENDS Compare this month to last. Spot which categories are growing or shrinking. Daily spending charts reveal patterns you didn't know existed. 55+ CURRENCIES SUPPORTED 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 preserved. 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 Add expenses by voice. Ask Siri "How much did I spend today?" and get an instant answer. 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 cloud — Smart Parsing, which powers bank-SMS auto-capture — is opt-in, off by default, and never stores or sells your data. You're always in control. SpendLens Pro unlocks unlimited categories, receipt scanning, spending trends, all widgets, CSV & PDF export, custom app icons, and Siri Shortcuts — for a one-time purchase. No subscription. Ever. (Auto-capture from your bank's SMS is free for everyone.) Made with care in Abu Dhabi.

PennyWise is a private expense tracker and budget app that keeps your money — and your data — entirely on your device. No accounts. No cloud. No tracking. No ads. Add expenses in seconds, import your bank statements, and watch a clean, categorized timeline of where your money goes — with budgets, trends, and insights that never leave your iPhone. Why PennyWise • 100% on-device & private — your data never leaves your phone • No sign-up, no accounts — open the app and start • Import statements — bring in Google Pay & PhonePe PDF statements • Smart analytics — spending trends, category breakdowns, top merchants • Budgets — set limits per category, with custom monthly cycles • Subscription tracking — keep an eye on recurring payments • Smart rules — auto-categorize your transactions • Multi-currency support • Beautiful dark mode • Open source (AGPL-3.0) Expense tracking, your way Add income and expenses fast, or import a statement to backfill your history. Every transaction lands in a searchable, categorized timeline — a spending tracker that's always up to date. Budgets that fit real life Set category budgets and track progress at a glance. Custom cycle start days mean your "month" can begin on payday, not the 1st. Private by design All processing happens on your device — no servers, no API calls, nothing leaving your phone. There are no accounts to create, and the full source is open (AGPL-3.0) so anyone can verify exactly what the app does. Free & open source PennyWise is completely free, with no ads and no in-app purchases. The full source is open (AGPL-3.0). Download PennyWise for private, effortless expense tracking and budgeting.