Spenti vs Neto: both scan on-device. Then the paths split.
Neto and Spenti both keep receipt-image recognition on the phone. Neto then syncs transaction records to its backend in Frankfurt; Spenti keeps its ledger local unless you opt into backup to your own cloud account.
What they have in common
Both are available on iOS and Android, scan receipts on the device and state that the receipt image itself is not uploaded for recognition. Both aim to turn a photographed total into structured financial data. The overlap ends quickly: Neto is built around money and net-worth tracking, while Spenti centers everyday expenses, Thai slips, budgets and private spending chat.
This is the closest privacy comparison of the three pairings because both products document local image recognition. It also shows why “on-device” should never end the investigation. After text has been extracted, the resulting merchant, amount and date can follow a completely different storage path from the photograph.
Where the receipt goes
Neto’s privacy policy, dated 24 July 2026, names Apple Vision on iOS and Google ML Kit on Android and says receipt photos never leave the device. It separately says transaction records are stored on a backend in Frankfurt. This is a useful distinction: local OCR protects the image path, while synced ledger data still leaves the phone.
Spenti also recognizes receipts on-device, but does not require an account or automatically send transaction records to a Spenti backend. Paid users can choose personal iCloud or Google Drive backup, including optional passphrase encryption. That backup is a deliberate, separate data path rather than a requirement for using the ledger.
Thai slips and paper receipts
Neto documents receipt OCR for Pro users, but its materials do not claim dedicated recognition for Thai bank slips or PromptPay screenshots, and its interface is not listed in Thai. Spenti explicitly supports those Thai formats and offers Thai and English interfaces. If your source material is mostly ordinary paper receipts, both cover the basic capture idea; if Thai e-slips are routine, the documented support differs.
Account, backup, offline
Neto requires an account and uses server storage for transaction records, even though OCR stays local. Its reviewed materials describe synchronization but do not document a distinct user-facing backup and restore feature, so sync should not be treated as proof of backup. Spenti can be used without an account and core scanning and chat work offline after the initial model download. Its optional cloud backup requires a connection and your own iCloud or Google Drive account. “On-device OCR” alone does not answer the broader storage question for either app.
Price
Neto is Pro $2.99/week, $8.99/mo or $59.99/yr (US store). Spenti is Free · Basic ฿49/mo or ฿499/yr · Pro ฿99/mo, ฿799/yr or ฿2,999 lifetime, including 30 free scans and 15 chat messages each month on Free. Free never expires and needs no card. US-dollar prices can vary by storefront; this comparison was checked on 21 September 2026.
| What we compared | Neto | Spenti |
|---|---|---|
| Thai slips & receipts | Receipt OCR (Pro); Thai slip support not disclosed | Yes — Thai slips, PromptPay and paper receipts |
| Where the AI / OCR runs | On-device OCR — Apple Vision / Google ML Kit | On your phone — scanning and chat |
| Uploads & cloud storage | No receipt photos; transaction records sync to backend | Never for processing; personal cloud backup is opt-in |
| Account | Required | No Spenti account |
| Offline use | OCR on-device; full offline use not disclosed | Yes — after the initial download |
| Platforms | iOS · Android | iOS 16 or later · Android 7.0 or later |
| Listed prices | Pro $2.99/week, $8.99/mo or $59.99/yr (US store) | Free · Basic ฿49/mo or ฿499/yr · Pro ฿99/mo, ฿799/yr or ฿2,999 lifetime |
Who should pick which
Choose Neto if net-worth and broader asset tracking, including its advertised crypto view, matter more than Thai localization, and you are comfortable keeping records in its account-backed service. Choose Spenti if you want Thai slips and PromptPay, no required account, offline spending chat, or control over whether a ledger backup exists at all. For privacy-minded shoppers, both make a stronger receipt-image promise than many cloud scanners, but the transaction records follow different paths.
A useful test is to ask what you want to see six months from now. Neto is the more natural candidate when the desired screen is an overall wealth picture. Spenti is aimed at questions such as where this month’s baht went, whether a category is over budget, and how to capture the slip that just arrived. The products overlap at the camera, then serve different financial jobs.
Frequently asked questions
Answered from the checked sources
Does Neto upload receipt photos?
No. Neto's privacy policy, dated 24 July 2026, says text recognition runs on the device using Apple Vision on iOS and Google ML Kit on Android, and receipt photos are not uploaded. Confirmed transaction records are synced to its backend in Frankfurt.
Does Spenti keep transaction records off its servers too?
Yes. There is no Spenti account and no Spenti backend for your data. Receipt recognition and spending chat run on the phone; Basic and Pro users can opt into backup to their own iCloud or Google Drive.
Does Neto read Thai bank slips?
Not as documented. Neto lists receipt OCR for Pro users but does not claim Thai bank-slip or PromptPay recognition, and its interface is not listed in Thai. Spenti supports both formats in Thai and English.
How do Neto and Spenti prices compare?
Neto: Pro $2.99/week, $8.99/mo or $59.99/yr (US store). Spenti: Free · Basic ฿49/mo or ฿499/yr · Pro ฿99/mo, ฿799/yr or ฿2,999 lifetime, with a Free plan that never expires. Prices as listed on 21 September 2026.
How this was checked
We used the listing for Neto: Money & Net Worth, app ID 6757704061, plus its official policy and Spenti’s published product facts. We checked them on 21 September 2026; similarly named Neto apps were excluded. Tell us about a correction.