Cash Predict vs Spendwise

Know what your money can do next. Cash Predict helps you see your future balance, stay ahead of bills, and plan for the life you want. Start with your current account balances, add your expected income and scheduled payments, and see how your finances could change over the coming months and years. SEE YOUR CASH FLOW AHEAD Forecast daily balances up to one year ahead. See when money is coming in, when bills are due, and where a cash shortfall could appear. Adjust your plan and see the effect on your savings and net worth. EXPLORE UP TO 30 YEARS Future Outlook takes your plan further. Explore projections from 5 to 30 years, adjust inflation, income growth, and savings returns, and see how scheduled commitments ending could affect your future finances. ASK SIRI AND BUILD SHORTCUTS Check account balances, upcoming bills, financial reports, goals, and forecasts. Update balances, record daily spending, and mark scheduled bills as paid or income as received. Test a one-time purchase or monthly income change against your cash flow before changing your plan. Open-ended financial questions require Apple Intelligence on a supported device running iOS 27 or later. UNDERSTAND YOUR FINANCIAL PICTURE See actual versus budgeted totals, recorded net worth progress, and interactive cash flow, savings, and category charts. Get insights about projected shortfalls, emergency savings, debt, and progress toward your goals. KEEP ACCOUNTS AND BILLS ORGANIZED Manage cash, savings, credit cards, debt, and other assets in one place. Set savings goals, schedule recurring income, expenses, and transfers, and choose reminders for upcoming payments. EXPLORE YOUR OPTIONS See how a new expense, a pay rise, or a larger savings contribution could change your forecast. Export your one-year budget to your preferred AI app when you want to explore it further. EASY TO START, EASY TO KEEP CURRENT Guided setup helps you create your starting budget. Keep balances updated without connecting your bank. Use widgets for a quick look at your forecast and upcoming bills, and sync your financial records between devices through iCloud. NO ACCOUNT OR BANK LOGIN REQUIRED Your financial records are stored on your devices and synced through iCloud. You choose whether to export them to another app; that service's privacy practices apply when you share. FREE TO USE, OPTIONAL PLUS Use Cash Predict with ads, or choose the optional Plus subscription for an ad-free experience and to support continued development. Plus is an annual auto-renewing subscription. Payment is charged to your Apple Account. It renews unless canceled at least 24 hours before the current period ends. Manage or cancel your subscription in your App Store account settings. Privacy Policy: https://cashpredict.app/privacypolicy.pdf Terms of Service: https://cashpredict.app/termsofservice.pdf

$12.99 a month sounds small. $156 a year doesn't. Spendwise is the budgeting app that runs itself. Connect your NZ bank account securely through Akahu, and every transaction is pulled in and categorised automatically – groceries, fuel, subscriptions, takeaways – no spreadsheets, no manual entry, no guilt. See where your money actually goes: A clear monthly picture shows you income, spending, category breakdowns, trends, and your top merchants. Catch the money leaks: Spendwise spots recurring payments and subscriptions, flags price rises, doubled-up services, and quiet habits that add up — always showing the yearly reality behind the monthly cost. One number for your financial health: The Confidence Score blends your savings rate, spending trend, safety buffer, subscription load, and budget progress into a single 0–100 score. Private by design: Bank connections are read-only via Akahu — we can see transactions, never move money. Your data is never sold, and you can delete everything, any time, from inside the app. Want a look before connecting anything? Demo mode gives you a full, realistic tour without touching a bank account. Spendwise is an information tool, not financial advice. Made in New Zealand for New Zealanders. Terms of Use: https://spendwise.nz/terms