SpendyApp vs Veyno

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

See at a glance where your money goes. Log an expense in 10 seconds, with no bank connection and no ads. Veyno is a calm money tracker for iPhone: set realistic budgets, track your income too, and stay in control. You decide what you enter. WHY VEYNO • Fast: logging a transaction takes less than 10 seconds • Clear: income, spending and budgets for your month at a glance • Calm design with no ads, no colour explosions and no gamification • In English, Dutch and German, with your own currency and local notation LOGGING • Expenses and income: amount, category, date and an optional note, done in seconds • Smart Add: type "67 ikea housing yesterday" and Veyno fills in the amount, category and date. It recognises common shops and services • Recurring transactions (salary, rent, subscriptions) are added automatically every month. 3 are free with their totals per month and per year, unlimited with Premium • Log hands-free: say "Hey Siri, log an expense in Veyno", or open Smart Add from the Action button, Control Center or your Lock Screen • Search and filter all your transactions CATEGORIES & BUDGETS • Default categories with icons and colours, ready to go • Set a monthly budget per category and see live how much is left INSIGHTS • Donut chart: where your money went this month • Tap a category to compare it with last month • With Premium: end-of-month forecast, budget health, daily rhythm, spending patterns and savings rate NET WORTH & SAVING GOALS • Record your net worth every month • Up to 3 saving goals with progress bars, unlimited with Premium WIDGETS • Home Screen and Lock Screen widgets: spent this month (compared with the same days last month), top categories, what's left of your income, and your saving goals • Tap a widget to jump straight to the right place PREMIUM The free version is complete for daily tracking. Premium adds: • Custom categories with your own icon and colour • All insights: forecast, budget health, daily rhythm, patterns, savings rate and comparing any two months • Your net worth trend and history • Unlimited recurring transactions, with a calendar of your due days • Smart notifications: a budget alert at 80% and 100%, and a reminder the day before a recurring charge • Unlimited saving goals and your full history (free: this month + 2 months back) • Export your data as CSV • Every future Premium feature, included Monthly or yearly with 14 days free to try and a reminder two days before it ends, cancel any time. Or unlock everything once with a lifetime purchase. INVITE A FRIEND Share your personal code with a friend. When they sign up with your code, you both get 1 month of Premium free. PRIVACY & SECURITY • No ads, not now and not ever • No bank connections. Veyno never asks for your bank details • Encrypted sync to your account, so your data comes with you to a new iPhone • Lock the app with Face ID, secure storage in the Keychain and certificate pinning Veyno works on iPhone with iOS 17.6 or later. Questions or feedback? Visit https://veyno.app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://veyno.app/privacy