SpendLens vs Optiexpense

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.

Optiexpense — Private Finance Know exactly how much you can spend today. Optiexpense shows a real-time "Safe to Spend" number — your income, minus upcoming bills, minus debt payments, minus a safety buffer. No guessing. No spreadsheets. Everything runs on your iPhone. No account, no sign-in, no tracking, and no subscription. Your financial data never leaves your device, with an optional private backup to your own iCloud. SAFE TO SPEND, IN REAL TIME See what's truly free to spend after your commitments — updated the moment you add income, a bill, or an expense. AUTOMATIC CAPTURE (NEW IN 2.0) • Bank SMS is read on-device by a Message Filter extension and turned into transactions — across more banks and countries. • Email receipts are parsed from an account you connect. • Smarter on-device AI understands the merchant, the amount, and whether it's income or an expense. SMART ANALYTICS • Category-colored spending donut and a clear income-vs-spend overview. • On-device AI insights that spot trends and over-budget categories. • Weekly and 90-day views. PLAN & STAY ON TRACK • Budgets with per-category pace tracking and early over-budget warnings. • Recurring bills and subscriptions with reminders. • Cash-flow forecast projecting your balance 30–90 days out. DEBT & NET WORTH • Track what you owe and what you're owed, with interest-cost insights. • See assets vs liabilities and your net worth at a glance. MONEY COACH (NEW IN 2.0) Ask "can I afford this?" and get grounded, on-device answers based on your real numbers. A nightly coach summarizes your spending habits and nudges you toward your goals. PRIVATE BY DESIGN • Face ID / Touch ID app lock (new in 2.0). • On-device processing with Apple Intelligence, plus a built-in fallback so every feature works on older iPhones too. • No ads. No trackers. No data selling. Free to try for 14 days, then a single one-time purchase unlocks everything — no monthly fees.