Bank Sync via Apple Wallet. Your transactions arrive on their own and never leave your phone. Still one number that matters: what you can actually spend today.
Lens shows you one number that matters today: how much you can actually spend.
It is not a budget. It is not a forecast. It is the answer to a simple question, recalculated with every transaction you log. After your bills are covered and your goals are funded, what is left for today?
That is the number Lens leads with. Everything else supports it.
THE DAILY NUMBER
You enter your income, your fixed bills, and your goals. Lens does the maths. The number on your home screen updates the moment you log a coffee, a bus fare, or a card payment. No spreadsheet gymnastics. No guessing whether you are on track.
FINANCIAL RUNWAY
Underneath the daily number, Lens shows how many months your liquid savings would cover at your current spending rate. Plain maths, no projections.
YOUR DATA STAYS ON YOUR PHONE
Lens is privacy-first by architecture, not by promise. Your data lives in a local database on your device, protected at rest, and there is no account required to start. Lens has no cloud database of your finances and never sells your data. Most apps in this category send your transactions to their servers the moment you sign up. Lens does not. The only time anything leaves your phone is when you choose to use the optional AI features, which send what you ask to Google's Gemini to answer; Google states it does not use this to train its models, and Lens does not store it.
BANK SYNC, WITHOUT A SERVER
Connect the cards you use in Apple Wallet and Lens keeps your transactions up to date automatically, with around 12 months of history on the first sync. It reads Wallet's on-device store directly: no aggregator, no cloud, nothing leaves your phone. Works with UK banks connected in Wallet, plus Apple Card, Apple Cash, and Savings in the US, with more as Apple expands coverage. Amounts, dates, and details stay exactly as your bank reported them; categories, notes, and goals stay yours to change.
WHAT IS INCLUDED FREE
Daily safe-to-spend hero. Financial runway. Manual transaction entry. Up to three savings goals and three accounts. Unlimited recurring bills with reminders. Budgets on up to five categories. Default categories. Net worth view. Card Snapshot for credit card statement dates if you have a card-payoff goal. Light and dark theme.
LENS PRO
Bank Sync via Apple Wallet, Unlimited goals, accounts, recurring items, and custom categories. Insights feed: patterns Lens spots in your own data. Monthly and yearly reports. CSV export. Receipt scanning. Ask AI over your finances.
LIFETIME PRICE LOCK
Buy lifetime once at any tier and the price you paid is the price you keep, including all future Pro features at no extra charge.
WORKS WHERE YOU ARE
Multi-currency support including GBP, JPY, EUR, USD, and many others, with proper handling of zero-decimal currencies and locale-aware date formats. Languages supported at launch: English and Japanese. More to follow.
Privacy policy: https://edniroya.github.io/lens-pages/privacy.html
Support: https://edniroya.github.io/lens-pages/support.html
Ratings & Reviews
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• Fixes duplicated transactions when your bank reissues a pending payment under a new reference.
• Account balances now anchor to your bank's own balance, matching Wallet to the penny.
• Pending transactions keep their bank dates, exactly as Wallet shows them.
Version 1.4.1
The developer, Edniroya, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Identifiers
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More