Fineyo vs Pointalize

A simple, private expense tracker. Log spending in seconds by typing, speaking or asking Siri, set budgets that keep you on track and see exactly where your money goes. No bank login needed. JUST SAY IT Say "Coffee 4.50 and groceries 32 today" and Fineyo AI turns it into transactions with the right categories and accounts. It runs on your iPhone with Apple Intelligence, so what you say never leaves your device. ASK SIRI ABOUT YOUR MONEY "How much did I spend on groceries last month?" "How much is left in my budget?" "What's my net worth?" Siri answers with your real numbers and can add an expense or income hands-free. Works in Spotlight and Shortcuts too. EXPENSES THAT LOG THEMSELVES Ready-made Shortcuts automations record your Apple Pay payments and bank notifications for you, and can save where you paid. Press the Action button or tap the back of your iPhone to add a transaction from anywhere. POWERFUL WIDGETS AND APPLE WATCH Keep balances, budgets, top categories, recent and upcoming transactions on your Home Screen, Lock Screen and in the Smart Stack. Add an expense straight from Control Center. The Apple Watch app with complications puts today's spending and your budgets on your wrist. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show trends and your biggest categories, and the spending map shows where you spend. On the 1st of each month, a report tells you what went well, what needs attention and how to do better. An evening summary recaps what you spent today. BUDGETS AND BILLS UNDER CONTROL Set limits per category and get a gentle heads-up when you get close. Recurring transactions add subscriptions and bills automatically, with a reminder the day before each one. No guilt, no surprises. ALL FEATURES - Expense and income tracking - Voice input with Fineyo AI (Apple Intelligence) - Siri, Spotlight and Shortcuts actions - Apple Pay and bank notification automations - Home Screen, Lock Screen and Control Center widgets - Apple Watch app with complications - Category budgets with alerts - Monthly reports and daily summary - Spending charts and spending map - Recurring transactions with reminders - Receipt photos - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency with travel currency and daily exchange rates - Custom categories with icons and emoji - Search, filters and CSV export - iCloud sync across your iPhone and iPad - Works offline - Dark mode, theme colors and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. Fineyo AI runs on your device too. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets, accounts and recurring transactions, iCloud sync, shared spaces, Siri insights, monthly reports, the spending map, receipt photos, all widgets, Apple Watch charts, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy

Pointalize: Credit Card Points & Rewards Tracker See which card in your wallet earns more on every purchase. Track statement credits and 5/24, spot missed rewards in dollars, and check whether annual fees paid for themselves — private, with no bank login. CARD AT CHECKOUT Search any merchant (Amazon, Starbucks, Shell, Target) or browse categories (dining, groceries, gas, flights, hotels). Pointalize ranks your wallet by reward rate, factors in quarterly rotating categories, and alerts you when category spending caps are hit so you can switch to the next card. AUTOMATIC PURCHASE CAPTURE (100% PRIVATE) Capture purchases without ever linking bank accounts or sharing passwords: • Integrates seamlessly with Apple Pay via Apple Shortcuts. Matching happens 100% on your device. Zero bank credentials, zero cloud scraping. SPOT MISSED REWARDS IN DOLLARS Used the wrong card at checkout? Pointalize calculates the exact dollar value you missed compared to your top card. Turn checkout mistakes into clearer spending habits. STATEMENT CREDITS & ANNUAL FEE PROOF Premium travel cards carry heavy annual fees. Pointalize helps you claim every dollar back: • Track monthly, semi-annual, and annual statement credit resets (dining credits, rideshare, airline incidentals, streaming, lounge perks). • Real-time Fee-Offset Calculator shows whether your perks and credits covered the annual fee. • Set reminders before credits expire at month-end or year-end. 5/24 & SIGN-UP BONUS (SUB) TRACKER Stay organized with card strategy tools: • Chase 5/24 Status: Track your card application timeline and know when slots open. • Welcome Offer Tracker: Keep tabs on minimum spend requirements, remaining days, and pacing for your welcome bonus. • Retention Offers: Log retention bonuses for card decisions. CUSTOM POINT VALUATIONS (CPP) Compare cash back with transferable currencies using Cents-Per-Point (CPP) benchmarks for Amex Membership Rewards, Chase Ultimate Rewards, Capital One Miles, Citi ThankYou, Bilt, and major airline/hotel programs — or set your own valuations. HOME SCREEN WIDGETS Add the Pointalize widget for a quick glance: see your top card for groceries, dining, gas, and online shopping before you pay. EXPLORE & COMPARE CARDS Search a verified database of personal and business cards. Compare reward structures, annual fees, credits, lounge networks, and benefits side by side. Missing a card? Request it in the app. PRIVACY BY DESIGN Pointalize does not use Plaid, never asks for online banking logins, and never sells your transaction data. Sign in with Apple or Email Magic Link. AVAILABLE IN 6 LANGUAGES English, German, Spanish, French, Hindi, and Simplified Chinese. Stop leaving points and credits unused. Download Pointalize and get more from every card in your wallet. Note: Free to download. The free plan includes up to 2 cards. Pointalize Pro unlocks automated purchase capture, advanced retention & credit expiry alerts, unlimited cards, and detailed fee ROI analytics. Point valuations are user-configurable benchmarks, not financial advice. Internet connection required for card catalog updates. Terms of Use: https://pointalize.com/terms-of-use/ Privacy Policy: https://pointalize.com/privacy-policy/