Endowus vs Receipt Journal

Tens of thousands of clients invest and grow their savings with Endowus, in globally diversified portfolios at low cost. Start your financial journey with Endowus, and invest and grow your wealth all through the Endowus app. Build a personalised financial plan with Endowus to help you reach your wealth goals. Choose from a curated list of low-cost, best-in-class institutional funds managed by the world’s top fund managers. WHO WE ARE Endowus is Asia’s leading independent digital wealth platform. With entities licensed by the Monetary Authority of Singapore, and Securities and Futures Commission of Hong Kong, Endowus is the first digital advisor in the region to span personal savings, private wealth and public pension (CPF & SRS in Singapore), helping investors grow their money with expert advice and access to institutional financial solutions at low and fair fees, through a personalised digital wealth experience. Founded in 2017, Endowus has raised a total of US$95 million in funding from investors including global banks, venture capital firms, and some of the largest Family Offices in Asia. Endowus’ leadership and growth have been recognised by the industry and it has attained numerous awards including, Singapore’s Best Digital Wealth Management, Singapore’s Best Digital Wealth Management Experience (The Asset Triple A Digital Awards 2023), Endowus is also among the firms named in the World Economic Forum’s Technology Pioneers 2023. WHY INVEST WITH US Seamless digital investing experience: We have refreshed the Endowus app experience that is focused on greater personalisation, automation, and intuitiveness for you, as our valued client. Greater access to the best: We provide retail, accredited and professional investors with institutional access to leading global fund managers with expertise, scale and real, proven track records in implementing their investment strategies successfully over time. Qualified, expert advice: We carefully consider various aspects of your personal and financial circumstances to help you craft personalised financial plans and a path to reaching them. Speak to our client experience team for us to guide you through our platform. Fairer fees: We charge a low, all-in access fee, with no hidden charges. We also provide a 100% Cashback on trailer fees with full transparency and no conflict of interest. KEY FEATURES (Availability of features may vary based on geography.) > Goal-Based Investing: Achieve your financial dreams effortlessly. The Endowus app recommends investment solutions to suit your goals, simplifying your journey into the world of investing. > DIY Investment Selection: Explore top-tier funds with ease. Access lower cost institutional share class options for optimal returns. > Auto Rebalancing & Monitoring: Let us do the work. Our technology automates portfolio management, ensuring your investments are consistently aligned with your goals. (Only available in SG) > 100% Cashback: Enjoy unparalleled savings. Receive 100% Cashback on trailer commissions, maximising your potential returns. > Unit Trust Transfer: Transitioning is effortless. Move your existing unit trusts seamlessly to Endowus for a comprehensive investment experience. > Multi-Currency Flexibility: Think globally. Invest in multiple currencies to diversify your portfolio and explore international opportunities. GET IN TOUCH Clients love us for our digital wealth platform and our personalised human touch. Schedule a call with our team of licensed wealth experts to learn about financial planning, or just to find out more about us: For Singapore users, please contact Endowus Singapore Pte Ltd: - WhatsApp at +65 3129 0038 - Email at support@endowus.com For Hong Kong users, please contact Endowus HK Ltd: - WhatsApp at +852 3018 8978 - Email at support.hk@endowus.com By downloading this app, you acknowledge that you are a resident in Singapore/Hong Kong, excluding U.S. Persons.

Turn paper receipts into organised, searchable expense records in seconds. Receipt Journal helps freelancers, self-employed professionals, small business owners and everyday users scan receipts, track spending and prepare clear expense reports without spreadsheets or paper clutter. SCAN RECEIPTS QUICKLY Take a photo and Receipt Journal extracts important details such as the merchant, date, total and tax. Review the information, choose a category and save the receipt to your secure journal. Need to process several receipts? Batch scanning lets you capture multiple receipts back-to-back without repeatedly returning to the home screen. FIND ANY RECEIPT FAST Search your saved receipts by: • Merchant • Category • Amount • Date • Notes • Tags Search works alongside category filters, helping you locate purchases, warranty records, business costs and reimbursements in seconds. UNDERSTAND YOUR SPENDING Use clear charts and useful insights to see where your money is going. Receipt Journal can show: • Spending by category • This month versus last month • Average spending per receipt • Top merchants • Business versus personal expenses • Recorded tax totals • Potential deductible expenses Tap a category to view the receipts behind the numbers. CREATE TAX-READY SUMMARIES Prepare organised summaries for: • This quarter • Last quarter • This year • Last year • A custom date range Generate polished reports containing total spending, recorded tax, deductible expenses, business and personal breakdowns, category totals and receipt details. Reports can be exported as PDF, CSV or Excel-compatible files and shared with your accountant or saved through the native share options on your device. BUILT FOR REAL-LIFE EXPENSE TRACKING Receipt Journal is useful for: • Freelancers • Contractors • Self-employed workers • Small business owners • Business travel • Expense reimbursement • Tax preparation • Personal spending records • Warranty and purchase records KEY FEATURES • Fast receipt scanning • Automatic receipt detail extraction • Batch receipt capture • Searchable receipt archive • Categories, notes and tags • Business and personal expense tracking • Spending charts and trends • Quarterly and yearly summaries • PDF, CSV and Excel-compatible exports • Dark and light mode support Stop searching through drawers, bags and shoeboxes. Keep every purchase organised and make expense reporting easier with Receipt Journal. FREE AND PREMIUM FEATURES The free plan includes up to 10 receipt scans per month, search, categories and spending charts. Unlimited scanning and PDF, CSV and Excel-compatible exports (including tax summaries) require an optional Pro or Business subscription, available as an in-app purchase. PRIVACY To read receipt details automatically, the receipt photo is sent to a third-party AI text-recognition service, only after you agree in the app. Your saved receipts are stored on your device. Important: Tax and deductible totals are based on information scanned or entered by the user. Always review exported information before using it for accounting or tax purposes. Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/