Billy vs Spendly Expense Tracker

Billy is envelope budgeting made effortless: give every dollar a job, then watch your jars fill. Money that comes in lands in Ready to Assign. You give it a job by assigning it to jars like Rent, Groceries or Vacation. Spending comes out of the jar, and whatever is left rolls over to next month. If a jar runs over, Billy shows it clearly and helps you cover it from another jar. No guilt, just the next step. JARS THAT FILL Every jar is a glass of liquid that rises when you assign money and drops as you spend. See at a glance what's available, what's underfunded and where a move would help. ADD SPENDING IN SECONDS Tap + for the full-screen keypad, pick a jar, done. Scan a receipt with the camera and Billy reads the amount, date and merchant right on your iPhone. Billy also learns your payees and suggests the right jar. ACCOUNTS AND CARDS Checking, savings, cash and credit cards, each with its own transactions. Card spending moves money into the card's payment jar as you go, so the bill is set aside. Import statements from your bank's files (CSV, OFX, QFX, CAMT.053, MT940), check the balance against your bank, and track investments and loans in your net worth. GOALS Save by a date, build a balance or fund a set amount each month. Rings show your progress and the time left, Billy tells you what's needed this month, and an estimate shows when you'll get there. INSIGHTS Spending over time by week, month or year, where the money went, income versus spending, net worth and age of money. HABITS THAT STICK Keep a logging streak, earn medals for months budgeted and goals funded, and close each month with a short recap. PRIVATE BY DESIGN No account and no sign-in. No bank login. Your budget, transactions and receipts stay on your iPhone, and statement import and receipt scanning happen on the device. Back up to the Files app or export to CSV whenever you like. Usage statistics never include amounts, payees or anything you type. Also included: widgets for Ready to Assign and your jars, a Quick Add control, bill reminders, scheduled transactions and Face ID lock. PLANS Using Billy after the welcome tour requires the Lifetime plan, a one-time purchase, or the Monthly plan. There's no free trial. Prices are shown in the app before you buy. Lifetime is a one-time purchase. The Monthly plan is charged to your Apple Account when you confirm the purchase and renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel it anytime in your Apple Account settings. Terms of Use: https://getcorpus.app/billy/terms/ Privacy Policy: https://getcorpus.app/billy/privacy/

Spendly is a fast and simple expense tracker that helps you stay on budget and understand your spending without unnecessary complexity. Track expenses in seconds Use Quick Add to log income and expenses quickly, so keeping your finances updated feels easy instead of repetitive. See your month clearly Follow your income, expenses, balance, and recent activity from one clean dashboard built to help you understand your money at a glance. Stay ahead of your budget Set monthly budgets by category, monitor what you have left, and catch overspending before it grows into a bigger problem. Understand what changed Review weekly insights, compare periods, and spot patterns in your spending so you can make better decisions with less guesswork. Built for real life Manage recurring transactions, savings goals, reminders, categories, filters, analytics, and backups in one place. Private and flexible Your data stays on your device. No account required. Customize your language, theme, reminders, and choose from global currencies.