Spendify vs PatrimoniApp

Spendify is a smart, AI-powered mobile bookkeeping app designed to help individuals and small businesses record, track, invoice, and understand their money — effortlessly. Built for freelancers, creators, vendors, consultants, and everyday earners, Spendify replaces spreadsheets and manual record-keeping with an intuitive, mobile-first experience powered by AI. Whether you’re tracking daily expenses, sending invoices to clients, estimating taxes, or setting financial goals, Spendify helps you stay organized and in control — right from your phone.

PatrimoniApp brings every part of your financial life together: accounts, spending, loans, net worth and stock investing. One app, one data model — every amount counted exactly once — on iPhone, iPad and Mac, with private iCloud sync and end-to-end encryption. Other apps do budgeting, OR portfolio tracking, OR net-worth reporting. PatrimoniApp does all three — and connects them. NEW: STOCK INVESTING MODULE • Account types that match your country: the app only offers what exists where you live — ISA in the UK and Ireland, 401(k) and IRA in the United States, Superannuation in Australia and New Zealand, PEA, PEE and PER in France, plus brokerage accounts, life insurance and REITs everywhere else • Cash and securities kept clearly apart inside every account • Guided buy and sell orders: estimate before you confirm, weighted average cost, FIFO disposals • Import your broker's positions statement (CSV), with quotes kept up to date • Automatic end-of-day capture: your portfolio archives itself every trading day — no file to import, ever • Performance done properly: time-weighted return, so your own contributions are never counted as a gain • Benchmark against the index you choose, from 17 markets (S&P 500, Nasdaq, FTSE 100, DAX, EURO STOXX 50, MSCI World, Nikkei 225…) • Contribution-cap gauge with alert and estimated taxation by plan age (French PEA, custom rate) • Dividends taken in cash or reinvested, credited to your cash balance automatically • "Stock investing" report: interactive charts, month × year matrix, monthly and yearly summaries, gap versus the index, PDF or Excel export WEALTH • Full inventory: property, stocks, ETFs, life insurance, real-estate funds, crypto, savings, cash… • Holdings, cost basis, unrealised and realised gains • Live stock and ETF prices, fund NAVs and exchange rates • Financial goals with progress and target date • Monte Carlo simulation (10,000 runs) to estimate your odds of reaching your capital target SPENDING & INCOME • Fast entry, custom categories, budgets • Bank statement import (OFX, QIF, CSV) with automatic categorisation • Recurring transactions, upcoming schedule and reminders • Multi-currency: automatic conversion into your reference currency LOANS • Track your loans, repayment schedules and rate revisions • Outstanding capital and debt ratio at a glance REPORTS & ANALYSIS • Monthly, quarterly and stock reports, ready to archive • Cash-flow projection and savings rate • Customisable KPI dashboard (day, month, year-to-date and annualised performance) • PDF, Excel and CSV exports AI ASSISTANT • Ask questions in plain language and get an analysis of your situation (uses your own API key; history stays on your device) BUILT FOR PRIVACY • Your data stays in your iCloud, encrypted (AES-256-GCM) • No server of ours, no ads, no tracking • Privacy mode: hide every amount with a single tap • Secure family sharing, to manage your wealth together CROSS-PLATFORM • iPhone, iPad and Mac, in sync • Available in French, English and Hungarian • Widgets and Siri shortcuts • Built-in help and user guide PatrimoniApp is a personal management tool. It does not provide investment advice.