Offin vs SpendingLens

Offin is a private budget and expense tracker that runs 100% on your iPhone. Import your bank statements as PDF or CSV — on-device AI categorizes months of history in seconds. No bank login. No subscription. PAY ONCE. OWN IT FOREVER. No monthly fees, no annual renewals, no "premium" upsell. One purchase unlocks everything, for life. STOP TYPING TRANSACTIONS BY HAND Other trackers make you enter every coffee manually. Offin gives you four faster ways in: → Import bank statements — drop in PDF or CSV statements from your bank and watch months of history appear in seconds. → Tap with Apple Pay — purchases logged automatically via Shortcuts. No bank link, no credentials shared. → Just say it — voice input turns "twelve dollars at Chipotle" into a categorized transaction. → Type it — quick manual entry when you want it. AI THAT WORKS WITHOUT THE INTERNET Offin categorizes every transaction with an on-device machine learning model built for US spending — and uses Apple Intelligence on supported iPhones. Nothing ever leaves your phone. Don't agree with a category? Create your own categories and set custom rules, and Offin follows your system automatically from then on. SEE EXACTLY WHERE YOUR MONEY GOES → Net worth graph, daily spending, and monthly reviews on one home screen → Budgets with live progress → Upcoming bills and cash flow, so nothing surprises you → Insights with spending and savings charts, top merchants, and trends → Every account in one activity feed with powerful search and filters → Detailed per-account views PRIVATE BY ARCHITECTURE, NOT BY PROMISE Most finance apps ask you to hand over your bank credentials to a third-party aggregator. Offin never connects to your bank at all. Your data lives in one place — your phone — protected by Face ID. It works with no internet connection, because it never needs one. WHO IT'S FOR Anyone who wants a real budget and expense tracker without surrendering bank logins, paying rent on their own data, or becoming the product. Download Offin. Import a statement. Know your money in five minutes.

See where your money really goes -- without compromising your privacy. SpendingLens turns your PDF bank and card statements into clear, actionable financial insights. With on-device parsing, OCR, and interactive charts, SpendingLens lets you analyze spending habits, track categories, and review multi-year trends without uploading financial records to third-party servers. No accounts to create. No bank passwords to link. No subscriptions. Just private financial clarity right on your iPhone and iPad. ---------------------------------------- WHY SPENDINGLENS? ---------------------------------------- Most finance apps require linking bank accounts or uploading statements to remote servers, exposing sensitive transaction history to third-party aggregators and advertisers. SpendingLens takes the opposite approach. Built specifically for Apple platforms, all document processing, OCR scanning, transaction extraction, and analytics happen 100% locally on your device using native Apple frameworks. Your financial data remains entirely yours. ---------------------------------------- KEY HIGHLIGHTS ---------------------------------------- 100% PRIVATE & ON-DEVICE - Zero tracking: No ads, no third-party analytics SDKs, and no cloud servers. - No bank logins: Works directly with the PDF statements you already have. - Local storage: All transactions and rules are stored securely on-device with SwiftData. SMART STATEMENT IMPORT - Digital & Scanned PDFs: PDFKit extracts text from digital statements; Vision OCR reads scanned copies. - Batch Import: Process multiple statements at once from Files or iCloud Drive. - Smart Dates: Handles statements spanning year boundaries (e.g., Dec to Jan). - Duplicate Protection: Skips duplicate files while preserving legitimate recurring purchases. INTERACTIVE CHARTS & OVERVIEW - Clean Dashboard: Inspect total spending, income/credits, and net period flow. - Instant Filtering: Filter by Year, Month, and Category right from the overview bar. - Monthly Charts: Tap any month to isolate transactions or tap again to view full-year trends. - Category Breakdowns: Interactive charts highlight top spending areas with percentages and totals. CATEGORIZATION & RULES - Auto-Recognition: Automatically assigns common merchants into intuitive categories. - Custom Rules: Define keyword rules to categorize specific merchants your way. - Review Flags: Easily flag and filter ambiguous transactions for quick verification. MANUAL & RECURRING EXPENSES - One-Time Purchases: Log cash payments or off-statement expenses with date and notes. - Multi-Month Plans: Plan recurring expenses (2 to 120 months) for rent, loans, or subscriptions with clear totals. - Full Control: Edit or adjust any individual transaction whenever needed. MULTI-YEAR & TREND REPORTS - Long-Term Perspective: Compare spending across multiple years to see your progress. - Category Trends: Track specific categories over time to spot seasonal patterns. SEARCH & BATCH EDITING - Fast Search: Find transactions by merchant name, amount, or notes. - Sorting: Sort by newest, oldest, amount, or merchant name. - Batch Organization: Bulk-edit transaction categories or years in just a few taps. DATA OWNERSHIP & BACKUPS - JSON Backup & Restore: Export full backups to Files or iCloud Drive. - CSV Export: Share or export transaction data anytime. - Complete Erasure: Delete all data completely at any time in Settings. ---------------------------------------- PERFECT FOR ---------------------------------------- - Privacy-conscious users who refuse to share banking logins with third parties. - Anyone who receives PDF bank, credit union, or credit card statements. - Budgeters and planners who want clear visual summaries without complex setup. - Freelancers and households tracking multi-year expenses and payment commitments. Take control of your personal finances with complete peace of mind. Download SpendingLens today and see your money through a clearer, private lens!