SpendyApp vs PhBudget

Spendy is your personal finance tracker for income, expenses, and investments, with a built-in AI assistant that answers questions about your money in real time. Track every movement Log income, expenses, and transfers across multiple accounts. The app pre-selects your most-used account, category, and subcategory, so adding a transaction takes just a few taps. See where your money goes Reports break down spending by category and period. View cumulative balance charts, year-over-year spending trends, and a monthly spend calculator tailored for FIRE projections. Watch your net worth grow The Home tab shows a net worth card with invested, cash, and debt breakdown. The Portfolio tab tracks your holdings with XIRR, MTD, YTD, and MAX returns, plus a net worth history chart. AI assistant Ask questions about your finances in plain language. The assistant streams answers with visible reasoning, supports multiple chat sessions with search, and replies in Markdown. Your data stays yours A daily snapshot is saved automatically. Export, import, or share backups anytime. No account required, no cloud dependency. Key features: • Multi-account tracking with custom currencies • Categories and subcategories with color-coded movements • Cumulative balance and spending trend charts • Investment portfolios with manual or feed-based pricing • FIRE date projection and monthly spend calculator • AI assistant with streaming, reasoning, and multi-chat history • Automatic daily backups • Dark mode support

PhBudget is a simple app to keep simple budgets. You can add expense categories and then on a monthly basis, track transactions against those categories. You can set custom 'limits' and progress bars will turn red if you go over those limits.