Comparison

UpScale Wallet vs Spent.

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UpScale Wallet

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Enjoy Luxurious Life By Simply Control Your Income And Expense. Yes, UpScale Wallet aims to provide you with a Luxury life by tracking your income and expense. Simply add whatever you spend or receive into your wallet. Your Transactions Organized You can see your balance, income, and expense in the Transactions screen. It is visually organized in red color for expense and green color for income, so you can simply distinguish between them. It is categorized by date, so you can at a glance know how much you spent on a specific date. Also, you can search for any transactions. Data Protection Regarding financial records, people are as protective as they can get. Upscale Wallet offers the option to send your data to your email. In this way, you can also have a backup of your data and a record of your financial condition on your laptop. How Does UpScale Wallet Work? Upscale Wallet is an exceptionally high-quality and professional app that lets you track your expenses and income. There are two categories, one for income and another for expense. Whenever you make any expense, you must open the app, go to the expense section, and add a new expense. Similarly, whenever you get any income in the form of salary, bonus, or appraisal, you simply need to add it to the income section. Visual Indicators Visually, income appears in green color while red color is being used to show expenses. These colors make it easy for you to distinguish between your income and expenses. To make things easier for you, UpScale Wallet keeps everything organized per the transaction's date entered so that you can search your desired entry by simply entering the date. Enjoy :)

About

Spent.

This private expense tracker uses on-device AI to log spending, scan receipts, and provide instant answers about your finances. Set monthly budgets and track your money without an account or cloud storage.

Highlights
  • On-device AI expense tracking
  • Receipt scanning with AI extraction
  • Natural language logging
  • Monthly budgeting per category
  • Instant spending insights
  • No account or cloud required
  • Multi-currency support
Features
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A private AI expense tracker — receipt scanning, natural-language logging, monthly budgets, and instant answers about your spending, all running entirely on your iPhone. No account. No cloud. No tracking. Meet Lil Bit, the little on-device bookkeeper inside Spent. Snap a receipt and Lil Bit reads the merchant, amount, and date. Jot "lunch 12" and it's logged. Ask "how much on food this month?" and get an answer in seconds. Everything happens on your device — nothing is ever uploaded. BUDGETS — NEW Set a monthly limit for any category and Insights draws a quiet bar under it: under, near, or over, you see where you stand at a glance. No guilt — just the number, the limit, and the bar. Per-currency, and included in your backups. ASK LIL BIT Tap the Lil Bit coin and ask about your money in plain English: • "Summarise last month" — totals plus your top categories and merchants • "How much on food this month?" — any category, any period • "Am I over budget?" — your budgets, checked in a tap • "What's my biggest expense?" — your largest single spend, instantly • "What's my balance across accounts?" — every account, at a glance Every answer is computed on-device. Your questions never leave your phone. WHY SPENT. • 100% on-device AI — works offline, on a plane, anywhere. Your finances never leave your phone. • No account, no sign-up, no ads, no trackers. Open it and start. • You stay in control — every AI entry is yours to confirm before it saves. WHAT YOU CAN DO • Set monthly budgets per category • Ask Lil Bit — get instant, on-device answers about your spending • Scan receipts — AI fills in the details; view or share the original anytime • Type naturally — "coffee 5", "groceries 80", and Spent. gets it • Track expenses, income, and transfers across multiple accounts • Multi-currency — each account in its own currency, no surprise conversions • Insights — see where your money goes by category and merchant, month over month • Home Screen widget — log, scan, or ask in one tap; shows no data by design • Recurring transactions, duplicate detection, and smart merchant memory • Privacy mask — hide every balance with one tap • Siri & Shortcuts — log spending hands-free • Your data stays yours — export a full backup anytime PRIVACY BY DESIGN Spent. has no server. There's no account to create and no data to leak, because nothing is collected in the first place. The AI runs locally on your iPhone — your receipts, balances, and habits stay with you. Free for manual tracking, receipt-OCR scanning, budgets, and insights. Unlock on-device AI extraction and Lil Bit's chat with a single one-time purchase — no subscription, ever. Your expenses, tracked privately.

Screenshots

UpScale Wallet4 screens
Spent.4 screens

Verdict

The call

The clearest difference is in-app purchases: UpScale Wallet at none against Spent.'s 1. UpScale Wallet also leads on iOS requirement (16.2 vs 18.6). Spent.'s advantage is update cadence (fortnightly vs every 2 months). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spent. sells 1 one-off in-app purchase. UpScale Wallet asks for nothing beyond the download.

UpkeepUpdate frequency

UpScale Wallet ships an update every 2 months, Spent. fortnightly. The most recent releases landed on September 11, 2026 and September 17, 2026 respectively.

Scorecard3 real differences · 6 level
UpScale Wallet versus Spent.: the parameters behind the verdict, then further details
ParameterUpScale WalletSpent.
PriceFreeFree
Rating—1.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.2 — better18.6
Further details — not scored
Size3 MB31 MB
Age rating4+4+
DeveloperAhmed HabeeliChee Leong CHONG

In-app purchases

None

UpScale Wallet

No in-app purchases

1 purchases

Spent.

One-time1
  • On-device AI$7.99

Questions

Is UpScale Wallet free?
UpScale Wallet is free to download, with no in-app purchases.
Is Spent. free?
Spent. is free to download, with in-app purchases available.
Do UpScale Wallet or Spent. have ads?
Neither UpScale Wallet nor Spent. shows ads.
Which is updated more often, UpScale Wallet or Spent.?
UpScale Wallet ships an update every 2 months, and Spent. fortnightly. Most recently, UpScale Wallet was updated on September 11, 2026 and Spent. on September 17, 2026.

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