Coins vs Spency

Free to use forever, with advanced features available through a Pro subscription. Coins is the simple, smart expense tracker that makes personal finance effortless — on iPhone, iPad, and Mac. Quickly log expenses and income, stay on top of your budget, and understand exactly where your money goes. Whether you want to save more, control daily spending, or track income, Coins is the budgeting app that fits into your life in just 30 seconds a day. Key Features • Fast & Easy Expense Tracking Log expenses or income in seconds. Just enter an amount—no complicated setup. Built-in calculator makes it easy to add up receipts on the fly. • Pull-to-Add Gesture Pull down on the home screen of your iPhone to instantly add a transaction — keep holding and move your finger left or right to pick yesterday or tomorrow. • Beautiful Home Screen Widgets Stay on top of your finances at a glance with stunning widgets right on your home screen. See your budget progress and recent spending without opening the app. • Beautiful Budget Reports See your spending at a glance with clear, insightful charts. Set monthly budgets and get alerts before overspending. • Financial Health Score Get a monthly score across savings, essentials, budgeting, and stability, with a clear breakdown and a personalized tip each month to help you improve. • Custom Month Start Day Set which day your budgeting month begins so it matches your pay cycle. • Smart Transaction Suggestions Coins remembers your frequent transactions so you can add new ones with just two taps. • iOS Shortcuts Integration Automate your money tracking! Use the Shortcuts app to add expenses or income hands-free—perfect for quick logging with Siri or custom workflows. • Sync with iCloud Access your data seamlessly across iPhone, iPad, and Mac. Always private, always secure. • Apple Watch App Log expenses and income from your wrist in seconds, with one-tap suggestions and complications for your budget, spending, income and Financial Health. • Native Mac App Enjoy the full Coins experience on macOS with a beautiful three-column layout, keyboard shortcuts, and desktop-optimized interactions. • Made for iPhone Duo Enjoy Coins on both the folded and unfolded displays of iPhone Duo. • Privacy First Your data stays on your device and your iCloud. Add a PIN for extra protection. Go Pro to Unlock More • Financial Forecast – Predict your future spending and income based on your history. • Retire Planner – Map out your retirement on an interactive timeline and instantly see how long your savings will last. • Multi-Currency Support – Ideal for travel and international expenses. • Receipt Scanning – Snap a photo or pick from your library and let AI auto-fill your transactions. • Repeat Transactions – Automate recurring bills and income. • Background Themes – Personalize your home screen with beautiful animated backgrounds. Coins is your simple budgeting companion—helping you save money, track spending, and stay in control of your finances with ease. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

No bank login. Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time. Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday. Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds. HOW IT WORKS Add your income Track salary, freelance payments, deposits, and recurring income. Organize bills and expenses Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments. Set a daily spending limit Spency uses your daily allowance to forecast your balance automatically. SEE YOUR MONEY AHEAD Projected balance for every day on the calendar Upcoming bills and how they affect your budget Monthly totals for income, expenses, and net balance Tight days flagged early Daily spending allowance always visible Simple charts for cash flow, savings, and spending insights WHO IT IS FOR Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday. WHY SPENCY Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust. SPENCY PLUS Budget projection and cash flow forecasts for 1, 3, and 6 months Insight charts with recurring and one time expense breakdowns Access to over 12 months of budget history The free version includes your most recent 3 months of data. PRIVACY FIRST No bank connection No account required Offline budget tracking Your data stays on your device, with optional iCloud sync Delete everything anytime Set it up once. Check it in seconds. Stay in control of your budget with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/