Spend Ready vs Walti

Create personalized budget categories based on your unique financial goals and priorities. You can allocate funds to the things that matter most to you, such as savings, entertainment, travel, or everyday expenses. The app tracks spending, provides insights, and helps users stay within their budget in a way that aligns with their values and lifestyle. By offering flexibility and control, the app empowers people to manage their money in a way that reflects their individual preferences and financial needs. This app is a one-time-payment, not a subscription, and your data stays on your device, not on our servers. You can use iCloud backup to ensure your data is backed up. If you have any questions, please reach out to us at help@spendready.com and we will be happy to help. NOTE: iPad support is present, but we do feel that we can work to improve the overall iPad experience to better take advantage of the large screen. Works great in Split View! Please contact us and let us know how we can provide more tools for iPad if you are interested in more iPad support.

Walti is a private, offline expense tracker for iPhone. Record daily spending in seconds, understand where your money goes, and stay within budget — without an account, ads, or tracking. SCAN RECEIPTS Take a photo of a receipt and Walti fills in the store, total, date and category. The receipt is read on your iPhone and never leaves it. Available on iPhones with Apple Intelligence: try 3 scans, then scan as much as you like with Premium. FAST EXPENSE TRACKING - Add the amount, title, category, date, payment method, and an optional note - Press and hold the + button on Overview to instantly re-log frequently added expenses - Edit or delete entries anytime - Search your history and filter by category or day BUDGETS AND INSIGHTS - See your monthly total, category breakdown, recent expenses, and today’s and yesterday’s spending - Set a monthly budget and add monthly income to see what is left - Compare this month with last month - Explore 3, 6, or 12 months of spending trends - Review your spending on a calendar RECURRING EXPENSES Set up weekly, monthly, or yearly expenses for rent, bills, and subscriptions. Walti shows what is due and waits for your confirmation before adding anything to your history, so your records stay accurate. Choose a custom icon for each recurring expense. HOME SCREEN WIDGETS Add expenses quickly or check your monthly total, budget progress, categories, and recent activity at a glance. PRIVATE BY DESIGN Your expenses, notes, budgets, and settings stay on your iPhone. Walti has no account system, no ads, no cloud sync, and no behavioral analytics. It works fully offline. Export a JSON backup whenever you want and import it without overwriting existing records. MADE FOR YOU - 12 built-in categories with distinct colors and icons - Choose your currency and switch between 40 app languages - Light, dark, and OLED-black appearance - A daily reminder only on days when you have not logged an expense WALTI PREMIUM Walti is useful from day one for free. An optional one-time purchase unlocks: - Unlimited recurring expenses - Per-category budgets - Unlimited custom categories with your own names, colors, and icons - Full analytics: monthly projection, spending pace, category trends, fixed vs. flexible spending, and weekly patterns - Every accent theme No subscription. Buy once and keep Premium. See where your money goes — privately, simply, and on your terms.