SpendyApp vs Roonda

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

Roonda helps couples, roommates, and groups manage personal and shared expenses with clarity—without spreadsheets. What makes it different? Your money works in cycles—not just calendar months. Set weekly, biweekly, or custom spending periods that match how you actually live, spend, and settle up. BUDGETS THAT RESET WITH EVERY CYCLE Each cycle starts fresh. Set a spending window, track what you've used, and see at a glance how much room you have left before the next reset. PERSONAL GROUPS WITH A BUDGET Create personal groups with an optional budget limit per cycle. Follow your total spending against that cap, stay on track, and review how each cycle closed. SHARED GROUPS, SAME CYCLE LOGIC Split expenses with the people who matter inside the same cyclical rhythm. See who owes whom, settle balances when a cycle ends, and keep everyone aligned. TRUST MODE — CONTROL WHO CAN ACT The group owner sets the rules. Toggle Trust Mode to let members record expenses on behalf of others—or keep it strict. An interactive tutorial walks you through roles, permissions, and the trust toggle from day one. PER-EXPENSE SPLITS — NOT JUST GROUP DEFAULTS Split any expense on the fly: exclude members, go equitable, set custom percentages, or lock fixed amounts. Every share is penny-accurate, with automatic remainder handling. OFFLINE-FIRST SYNC No signal? No problem. Create and edit expenses offline; commands queue locally and reconcile automatically when you're back online. Last-write-wins keeps balances consistent across devices. RECEIPT EVIDENCE Attach a photo from camera or gallery when you create or edit an expense. View, replace, or remove it later. Capture offline—uploads resume when you're back online. Closed cycles freeze evidence so settled history stays final. AI RECEIPT SCAN Snap a receipt and let AI do the reading. Roonda picks up the amount and the merchant and drops them straight into your expense, so logging what you just paid takes seconds instead of minutes—and the photo stays attached as your proof. INSIGHTS AT A GLANCE Understand trends, categories, and how personal and shared groups fit together—with clear charts, not manual math. LOG EXPENSES WITH YOUR VOICE Tell Siri "Add an expense in Roonda" and complete amount, group, and description without opening the app. BUILT FOR MOBILE Native performance on iPhone and iPad, real-time push notifications, and offline-first architecture so your data is always available. Download Roonda and keep your group finances in sync.