Spending vs Debit & Credit

Ever wondered how a week before pay day your bank account and wallet seem pretty much empty? 'Spending' helps you quickly and easily track what you spend and where you spend it, so those pay day blues might become a thing of the past! Most people know when their utility bills or rental payments leave their account. The thing that makes people go overdrawn, or spend more than they realise, are the little payments; the coffee in a morning, the sandwich at lunch, or the drinks after work. Very quickly these payments mount up, and your wallet seems empty more often than it seems full! Unlike many budget management applications, Spending doesn't want to know which store you were at, which card or account you used, or a host of other things. All Spending wants to know is the category you think the payment relates to, and how much you spent. Using this information, it can tell you that all important information - how much you've spent today and so far this month, enabling you to keep a tighter grip on your financial outgoings. Spending has the following features… - Quickly track the amount you've spent on different categories of expenditure. - See at a glance your expenditure for today, the last 7 days, or the current month. - Graphs that show a breakdown of your spending by category, or date. - Create new categories, and change the order of existing ones. - Have several budgets, e.g. for trips abroad. You can override the currency used for a budget too. - Set a budget amount that applies to each month, but override it for specific months when you know you can spend more, or must spend less. - Quickly see how much money you have left for the current month, and how much you can spend each day.

If you are looking for a personal finance app that is convenient, easy to use and at the same time has enough features, then Debit & Credit is the right app for you. • All Accounts in One App Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch. • Integration with Apple Card, Apple Cash, and Apple Savings Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules. • Super Fast Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks. • Locations (Geotagging) Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance. • Budgets & Scheduled Transactions Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done. • Financial Plans Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth. • Reports We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too. • iCloud Sync We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you. • Shared Accounts Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances! • Bank reconciliation mode Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities. • Importing data We know how important it is to be able to import transactions from your financial institutions. That's why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do. • Watch App Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it. • Powerful features Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them. • Mac version of the app You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud. Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at https://debitandcredit.app/privacy-policy-with-terms.html. In case of any questions please don't hesitate to contact support@debitandcreditapp.com.