iLekka vs Spenvo

No typing. No receipts. No spreadsheets. iLekka is an automatic expense tracker for iPhone that turns your bank transaction SMS messages into a complete personal finance and money management system. Track expenses automatically, monitor spending, and stay on top of your budget—without manually entering transactions. Unlike traditional expense tracker apps, iLekka keeps your financial data private by storing everything in your own iCloud account. Nothing is sent to our servers. — HOW IT WORKS — Every time your bank sends a transaction SMS, iLekka automatically captures and categorizes the expense using Apple Shortcuts. Works with UPI transactions, debit cards, credit cards, net banking, and bank account debits. Supports SMS alerts from HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and other major Indian banks. Set it up once. Never manually log an expense again. — PRIVACY FIRST — Your financial data belongs to you. • Stored in your own iCloud account • No external servers • No account creation required • No ads • No tracking • No data harvesting iLekka follows Apple's privacy-first approach so your spending history remains under your control. — FEATURES — Automatic Expense Tracking Capture expenses automatically from bank SMS alerts. Every UPI payment, card transaction, ATM withdrawal, and account debit is recorded without manual effort. Smart Expense Categorization Automatically categorize spending into groceries, dining, fuel, shopping, bills, subscriptions, EMIs, travel, and more. Correct a category once and iLekka remembers your preference. Budgeting & Spending Analytics Understand where your money goes with monthly spending reports, category-wise breakdowns, trends, and insights. Personal Finance Dashboard Track your expenses, analyze spending habits, and make smarter financial decisions with a clear overview of your money. — BUILT FOR INDIA — Designed specifically for Indian banking and payment systems. • UPI transactions • Bank SMS alerts • Debit cards • Credit cards • Net banking • Major Indian banks No manual bookkeeping. No spreadsheets. No receipt scanning. — FREE FOR 60 DAYS — Get full access to all features free for 60 days. No credit card required. After the trial ends, choose either: • Monthly Subscription • Lifetime Access (one-time purchase) An active subscription or lifetime purchase is required to continue using iLekka after the trial period. ———————————————————————————— SUBSCRIPTION & PRICING • Payment is charged to your Apple ID upon purchase confirmation. • Subscriptions automatically renew unless cancelled at least 24 hours before renewal. • Your account will be charged for renewal within 24 hours before the current subscription period ends. • Manage or cancel subscriptions anytime from Apple ID Settings → Subscriptions. Privacy Policy: https://shared-record-5ae.notion.site/Privacy-Policy-35ba4adcfaf68048b753e6718ae5039b Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ———————————————————————————— iLekka. Know your money.

Your bank already texts you every time you spend. Spenvo turns those texts into your expense list for you, after a one-time setup, and keeps everything on your iPhone. No typing. No bank login. Every expense tracker asks the same thing of you: open the app and type in what you just bought. Almost nobody keeps that up. The person who built Spenvo never lasted a week. Your bank, meanwhile, already sends the most honest record of your spending there is: a text the moment money leaves your account, with the merchant, the amount and the time. Spenvo is built around that text. HOW IT WORKS Spenvo can't read your messages by itself; iOS doesn't allow it. So you add a ready-made Shortcuts automation from inside the app and switch it on. That takes a minute, once. From then on every bank text is handed to Spenvo and filed as an expense. You do nothing. Spenvo knows a purchase from a refund, an incoming credit, a failed payment, a one-time passcode or a card-bill payment, and leaves those out. Only money that actually left your account is counted. Every message is read on your iPhone. Several banks in the UAE and India work on any iPhone. For other banks Spenvo uses Apple Intelligence, which needs an iPhone 15 Pro or later with it switched on. Banks that send app notifications instead of texts work through a notification automation. FOR EVERYTHING ELSE • Scan a receipt. Point the camera and Spenvo reads the merchant, the date and the total. The photo stays with the entry. • Tell Siri. Say "Add expense to Spenvo". Siri asks how much and where. • Type it in. For cash, or anything else. Merchant, amount, category, done. SEE WHERE IT WENT Reports opens on six months of spending, so the first thing you see is whether this month is unusual. Tap a month to break it down by category or merchant. Spend in more than one currency and each stays in its own; Spenvo has no exchange rates and won't invent them. NOTHING LEAVES YOUR IPHONE No account, no server, no analytics or ads, no third-party code. Your expenses and receipt photos are stored on your iPhone, not on any server of ours. We couldn't look at your spending if we tried. Export a CSV or a full backup whenever you like. Delete the app and the data goes with it. That also means no sync between devices. Your expenses live on the iPhone you log them on. FREE FOR 30 EXPENSES A MONTH That covers every way of adding an expense, and resets each calendar month. Premium removes the limit, as a yearly subscription or a one-time lifetime purchase. Your expenses, exports and backups always stay available, on the free plan too. Requires iOS 27 or later. iPhone only. Terms of Use (EULA): https://spenvo.app/terms Privacy Policy: https://spenvo.app/privacy