Spendify vs DebtPilot

Most people don't struggle with money because they're bad at it. They struggle because nobody gave them a simple, honest tool to actually see where it's going. Spendify changes that. Whether you're managing a household budget, running a small business, tracking savings goals, or just trying to understand where last month's money went — Spendify makes it easy to record what comes in, understand what goes out, and finally know what you actually keep. —————————————————————————— RECORD MONEY IN SECONDS — HOWEVER WORKS FOR YOU —————————————————————————— No more forgetting transactions. Capture income and expenses the way that feels natural: • Say it — speak your transaction and Spendify records it • Snap it — photograph or upload a receipt • Type it — quick manual entry when you want control • Upload it — bank statements, documents, files One tap. Done. Move on with your day. —————————————————————————— WALLETS — KEEP EVERY PART OF YOUR MONEY LIFE SEPARATE —————————————————————————— Most people manage more than one money situation at a time. Spendify lets you create separate wallets for each one: • Personal and household spending • Business income and expenses • Savings goals • Side projects, programmes, or anything you choose to name Everything stays organized. Everything stays clear. —————————————————————————— BANK STATEMENT ANALYZER —————————————————————————— Upload any bank statement and get a clean, structured breakdown — transactions sorted, spending patterns surfaced, your financial story told in plain language. No more squinting at rows of numbers wondering what actually happened last month. —————————————————————————— OLA — YOUR AI FINANCIAL ASSISTANT —————————————————————————— Ask OLA anything. Record a transaction by talking. Get a plain-language explanation of your finances. Understand your cash flow without needing an accounting degree. OLA meets you where you are — in conversation, not in spreadsheets. —————————————————————————— INVOICES AND RECEIPTS —————————————————————————— Create and send professional invoices and receipts directly from the app. Track what's been paid and what's outstanding. Look like you mean business — because you do. —————————————————————————— REPORTS AND DASHBOARDS —————————————————————————— At any moment, know: • Where your money is coming from • Where it's going • How your budget is holding up • How your business is actually performing Clean, visual, readable in seconds. No accountant needed to interpret it. —————————————————————————— BUDGETING AND FINANCIAL PLANNING —————————————————————————— Set budgets that actually work. Track them in real time. Plan ahead with tools designed for how people actually think about money — not how textbooks say they should. —————————————————————————— TAX CALCULATOR AND FINANCIAL UTILITIES —————————————————————————— Quick tools for everyday financial calculations — tax estimates, spending breakdowns, financial summaries — all without leaving the app. —————————————————————————— BUILT FOR PEOPLE OTHER APPS LEFT BEHIND —————————————————————————— Most money apps assume you already have a finance background, an accountant, or a lot of spare time. Spendify was built for everyone else: • People managing household money, many for the first time • Micro and small business owners who can't afford a bookkeeper • Entrepreneurs who need clean records but hate business jargon • Newcomers building financial habits in a new country • Anyone who has ever looked at their account and thought — "where did it all go?" —————————————————————————— YOUR MONEY. YOUR DATA. YOUR CONTROL. —————————————————————————— Spendify is built with your privacy at its core. You decide what gets shared and with whom. Your individual financial records stay yours. ——— Stop guessing about your money. Start understanding it. Download Spendify — track it, manage it, grow it. www.spendify.ca

DebtPilot is the simplest way to make a plan and pay off your debt for good. Add what you owe — or just scan a bill or statement — choose a strategy, and DebtPilot shows you exactly what to pay each month, when you'll be debt-free, and how much interest you'll save. No jargon, no spreadsheets — just a clear plan you can follow, with progress and rewards that keep you going. WHAT YOU GET FREE • Scan a bill or import a PDF — snap a photo or pick a statement and we fill in the balance, rate, and payment for you. Processed on your device; nothing is uploaded. • Two proven strategies — Snowball (knock out your smallest balance for quick wins) or Avalanche (target your highest rate to save the most). Or set your own custom order. • Your debt-free date — see the exact month you'll be free, with a progress ring and a live countdown on your Lock Screen and Dynamic Island (Live Activity). • "This month" plan — know exactly what to pay on each debt, and log payments with one tap, by amount, or with Siri ("Hey Siri, log my DebtPilot payment"). • Quick extra payments — drop a one-time "snowflake" payment on any debt and watch your date move closer. • Due-date calendar & reminders — see everything due this month at a glance. • Loan & amortization calculator — see where every payment goes, including mortgage escrow, principal vs. interest, and lifetime interest. • Month in Review — a monthly recap of what you paid down and how far you've come. • Achievements, badges & streaks — stay motivated and share your progress. • Home & Lock Screen widgets, color themes, an interactive tutorial, and a Learn section in plain English. • iCloud sync — your plan follows you to a new phone, automatically. • Private by design — everything stays on your device. No account, no tracking, nothing collected. DEBTPILOT PREMIUM (optional) Go faster with the full toolkit: • Rate Negotiator — see what a lower interest rate could save you, with a word-for-word script to ask your lender for one. • Planning tools — simulate extra payments and a one-time lump sum, and set a target payoff date. • Budget simulator — enter your income and expenses to find the best amount of leftover money to put toward debt, while keeping a safety cushion. • Interest-saved breakdown — charts showing exactly how your plan beats paying minimums. • Refinance / rate "what-if" — see if a lower rate or balance transfer is worth it. • Payoff projection charts and per-debt month-by-month schedules. • Export & print your plan as a PDF, or to a spreadsheet (CSV), and track unlimited debts (free covers 3). DebtPilot is an educational planning tool to help you organize and pay down debt. Figures are estimates and it is not financial advice. Start your plan today — your debt-free date is closer than you think. — — — DebtPilot is free to download and use. DebtPilot Premium is an optional subscription: • Monthly — $4.99 • Yearly — $29.99 Payment is charged to your Apple Account at purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the period; manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aganfinancial.com/privacy