Spend.Control vs Zelvo

'Spend Control' answers the following most basic of financial questions: "How much can I safely spend today such that I can still meet my upcoming obligations and ultimately reach my desired goals?" Or to put it more succinctly: "How much can I spend today without harming my future?" And here's how it works: First you tell 'Spend Control' (in a user-friendly way) about your upcoming financial situation (your expected income over the next 12 months and how much of that income is already dedicated to such things as rent, utilities, car payments, savings, etc.) Given that information 'Spend Control' tells you how much is available for your “allowance” (i.e., discretionary spending money.) You then create a budget for that leftover allowance money at which point 'Spend Control' generates a virtual envelope for each category and seeds it with one week's allowance (an amount you can easily change.) Thereafter, the app will automatically, every day, feed each envelope with one day's allowance such that if you don't spend anything in that category your spendable amount will continue to grow. If you do spend something, you need only tap on the category, enter the amount spent and 'Spend Control' will subtract the amount from the appropriate envelope. The process described above is the app's main function but there are other tools that further help you track and prioritize. For example, if you see an outfit you really want but don't yet have enough in your 'Clothing' envelope, you can choose (prioritize) to transfer money from another envelope, say, 'Entertainment' (as opposed to, say, 'Rent'.) Or you can use the tool called the 'Future Balances Calculator' to answer the question "If I hold off buying now, when will I have the necessary funds in that envelope?" or perhaps the question "How much will I have in my 'Paris Vacation' envelope when that date arrives?" 'Spend Control' also generates a number of reports, such as 'Current Budget' and 'Current Balances' which you can then email to yourself or to someone else.

Zelvo is an all in one budget planner and expense tracker designed to help you take full control of your money and reach your financial goals. Most people struggle with finances because they either forget to track what they spend or they don't have a plan for the month. Zelvo solves both problems. It gives you a simple way to plan your budget and a fast way to track your expenses, so you always know exactly where your money is going and how close you are to your goals. Plan Your Budget Zelvo helps you stop guessing and start planning. Set up a monthly budget for different parts of your life, like groceries, rent, or entertainment. By giving every dollar a job before the month begins, you can finally stop overspending and start saving for what matters most. Track Your Expenses Tracking shouldn't be a chore. With Zelvo, you can log an expense in just a few seconds. Whether you’re paying a bill or buying a coffee, our simple spending tracker keeps your records organized. You’ll see a real-time view of how much you’ve spent and more importantly how much you have left to spend. Reach Your Financial Goals Budgeting is about more than just limiting your spending; it’s about sticking to a plan to reach your financial goals. Whether you want to pay off debt, buy a home, or build an emergency fund, Zelvo helps you stay disciplined. By seeing the big picture, you can make smarter choices that move you closer to financial freedom every single day. Key Features to Help You Stick to It: - Custom Budget Planner: Create personal categories and set spending limits that work for your specific lifestyle. - Easy Expense Tracking: Quickly record your daily spending to keep your budget up to date. - Visual Progress: Use simple charts to see how your actual spending compares to your budget plan. - Subscription Manager: See all your recurring payments in one place so you can cut out the ones you don't use. - Goal Tracking: Set specific targets for your savings and watch your smart budgeting help you reach them faster. The secret to wealth is a good plan. Download Zelvo today to start your financial freedom journey. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/