SpendyApp vs Stacker

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

The precious metals & coin portfolio tracker built for iOS. Track every gold and silver coin, bar, and round you own. View your portfolio in USD, EUR, or your preferred currency. See your stack in fiat value or in total ounces, your choice. Live spot prices, exact purity, and your data stays on your device. No account, no cloud storage, and no tracking. Stacker is the native iOS app for people who take their stack & coin collection seriously. — TRACK YOUR STACK PROPERLY — Add gold and silver coins, bars, and rounds with full detail: exact weight in troy ounces, grams, or kilograms. Exact purity in karat or decimal (24K or .9999). Quantity, purchase price, and date. The way you actually buy precious metals. — LIVE SPOT PRICES — Real-time gold (XAU) and silver (XAG) spot prices fetched from a reliable source. Subscribers get hourly updates. Free users get daily prices. Last-known prices are cached for offline use, so the app works even without signal. — MULTI-CURRENCY SUPPORT — Track your portfolio in US Dollars, Euros, Turkish Lira, British Pounds, and other popular currencies. See real value in your local currency. Switch currencies anytime, conversions handled automatically. — FIAT OR OUNCES — Toggle your portfolio view between fiat value and total weight. See your stack in your preferred currency when you want, or in total troy ounces when the fiat number doesn't matter. The view stackers actually want. — PROFIT AND LOSS — Unrealized gains and losses tracked automatically against your purchase price, in both your chosen currency and percent. Know exactly how your stack has performed. — HISTORICAL PERFORMANCE — Watch your portfolio value over time with full charts. Daily snapshots taken automatically. View 1 week, 1 month, 3 months, 1 year, or all-time. (Premium feature.) — PRIVACY FIRST — Stacker doesn't require an account. Your holdings live on your device, not in the cloud. No tracking, no data collection, no advertising. Lock the app with Face ID for an extra layer of protection. Export everything as CSV anytime, your data is always yours. — DESIGNED FOR STACKERS — Display weight in your preferred unit (grams or troy ounces), purity in your preferred format (karat or decimal), and values in your preferred currency. Customize once, applied everywhere. Built specifically for the way precious metals investors actually think about their holdings. — PRICING — Stacker is free to use with up to 3 holdings and daily price updates. Upgrade to Stacker Premium for unlimited holdings, hourly spot prices, full historical charts, and CSV export. - Monthly: $5.99 - Yearly: $39.99 (save over 44%) - Lifetime: $79.99 (one-time purchase, launch offer) Restore previous purchases anytime from settings. — ABOUT — Stacker is built by an indie developer who was tired of using spreadsheets to track precious metals. Just an app that does one thing well. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/