Spending Insights vs Rilio

Spending Insights is a private, on-device AI budget tracker that helps you understand where your money goes — month by month, category by category. Take control of your finances with Spending Insights — the budget tracker that works the way you think. Effortless Spending Tracking Log transactions in seconds from anywhere. Just say "Hey Siri, add a spending in Spending Insights" and Siri records it automatically — no app required. Or tap the + button to log with your camera by scanning a receipt. Auto-Import from Apple Wallet Connect your bank cards and Spending Insights automatically imports your transactions via Apple's FinanceKit. Smart AI categorization learns your spending habits and maps every merchant to the right category — no manual sorting. AI Spending Advisor (requires Apple Intelligence, iOS 26) Get personalised, plain-English analysis of your monthly or yearly spending. The on-device AI identifies where your money is going, flags overspending, detects subscriptions, and compares your habits against inflation — all privately, on your device. Deep Insights • Monthly and yearly spending breakdowns by category • Year-over-year comparisons to track trends • Per-store and per-category drill-down • Spending heatmap to spot patterns at a glance • Donut charts and bar charts that update in real time Budget Alerts Set monthly budget targets per category. Get notified the moment you're close to your limit. iCloud Sync Your data syncs seamlessly across all your Apple devices via iCloud. Private by Design All AI processing happens on your device. Your financial data never leaves your iCloud account.

Stop wondering where your money went. Rilio is the expense tracker that thinks for you. AI automatically categorises every purchase the moment you log it. No bank logins. No spreadsheets. Just clear answers about where your money is going. Full access to Rilio requires an active subscription. All features are available at subscription pricing, shown at app launch. LOG YOUR WAY 5 WAYS TO ADD A TRANSACTION Type it — "Spent 230 at Starbucks" and Rilio fills in the rest Say it — tap the mic, speak naturally, done hands-free in seconds Paste it — copy a bank SMS, and Rilio parses the amount, merchant, and account instantly Share it — forward any transaction SMS from your phone directly into Rilio Bulk import — paste multiple bank messages at once and import them all in one tap Every method auto-fills the merchant, amount, category, and payment method. You review, confirm, and move on. WHAT YOU GET AI auto-categorisation — type a merchant name, Rilio assigns the right category instantly Real-time budgets — set monthly limits per category and track live progress Deep analytics — top merchants, spending trends, weekday patterns, custom date ranges 165+ currencies — switch anytime, from INR to USD to AED to NGN and beyond AI Insights — plain-language summaries that explain your spending patterns every day HOW IT WORKS • Log a transaction in under 5 seconds: merchant, amount, done • AI categorises automatically — Swiggy becomes Food Delivery, Blinkit becomes Grocery Delivery • Set monthly budget limits per category — watch a live progress bar as you spend • Open Analytics for your 15-day or 30-day breakdown: categories, merchants, and trends • Track payment methods — know exactly which card or account each expense came from 59 CATEGORIES. EVERY KIND OF SPENDING. From Groceries to Gaming, Salary to Dividends, Rent to Healthcare, every transaction type is covered. Cash, credit, debit, or digital wallet. YOUR PRIVACY, PROTECTED Rilio never connects to your bank. No screen scraping. No credentials. AI categorisation uses only anonymised merchant names; your amounts and personal details stay private. SUBSCRIPTION REQUIRED All features in Rilio are available with a subscription. Subscription options and pricing are displayed when you first open the app. Payment is charged to your Apple ID account at confirmation. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://getrilio.com/privacy Terms of Use (EULA): https://getrilio.com/terms