Spend Wisely vs Expense Tracking

Know exactly how much you can spend today. Spend Wisely is a simple expense tracker, budget planner and money manager that turns your income, bills and budgets into one clear number: what's safe to spend today. Track spending in seconds, see where your money goes, and stay on top of every bill. No account, no sign-up, no ads, and your data never leaves your iPhone. YOUR DAILY BUDGET, DONE FOR YOU • A daily safe-to-spend amount that updates every time you log an expense • "Can I afford this?" Type any price and see instantly if it fits today's budget • Daily streaks and an evening check-in help you build a money habit that sticks FAST EXPENSE TRACKING • Add an expense in a couple of taps with a big, clear amount entry • Smart categories pick themselves and learn from the choices you make • Quick Add buttons for your everyday coffee, lunch or travel • Repeat a recent expense with one tap • Voice input: just say what you spent • Share or paste a bank SMS to fill in the amount and payee for you • Split one purchase across several categories • Add notes and tags to anything you want to track SMARTER SEARCH • Search by name, note, category, account or amount • Type the way you talk: "groceries last month", "over 500", "income march" • Small typos still find what you meant SPENDING INSIGHTS AND REPORTS • Spending by category for any day, week, month or year • Tap a category to see every transaction behind it • Spending trends compared with the same days of the last period • Calendar view, tag reports and monthly spending reports • Cash flow forecast for the next 30, 60 and 90 days • Net worth across all your accounts BUDGET PLANNER • Set a monthly budget for each category and see what's left • Start fast with ready-made budget templates • Budget alerts before you overspend BILL REMINDERS AND SUBSCRIPTION TRACKER • Recurring bills, subscriptions and income added automatically • See what's due this week right on your home screen • Bill reminders so you never pay a late fee again ALL YOUR ACCOUNTS IN ONE PLACE • Track bank accounts, cash, credit cards and wallets together • Balance and full history for every account, transfers included • Update a balance to match your bank in seconds • Archive old accounts and keep their history SAVINGS GOALS AND DEBT TRACKER • Savings goals with progress you can see • Track debts and credits: who owes whom, and every payment • Debt payoff planner to become debt-free faster • Wishlist for the things you're saving up for PRIVATE, OFFLINE PERSONAL FINANCE • Your financial data stays on your device. We don't collect any of it • Works offline. No bank login, no account, no sign-up • Lock the app with Face ID, Touch ID or your passcode • No ads and no tracking MADE FOR YOU • Works with any currency, with exchange rates for travel • Available in English, Hindi, Marathi, Gujarati, Kannada, Spanish and French • Light and dark mode with your choice of accent colour Whether you're making your first budget, saving for a goal or paying off debt, Spend Wisely makes managing money simple. Download now and see what you can spend today.

Know what you earn, spend, owe and receive. Expense Tracking is a personal and business expense tracker that brings income, expenses, bills, loans and ledgers together, with offline support and optional cloud backup and sync. Record your transactions as you go, keep personal and business finances separate, and turn your daily entries into useful insights. Personal income and expense tracker Keep everyday spending organized with an expense manager built around the records you add. • Log income and expenses, choose categories and add notes. • Find previous transactions with search and filters. • Review spending charts, compare periods and understand your habits. • Track household costs, daily purchases and other personal expenses. Business expense tracker Manage your business finances alongside your personal records. Track one or more businesses, each with its own transactions, balances and reports. • Record daily sales totals and operating expenses. • Add the cost of sales and follow unpaid or partially paid sales. • Review revenue, gross profit and net profit or loss. • Keep business activity separate from personal spending. Business ledger and balances Know what customers owe you and what you owe suppliers. Maintain individual balances, record payments and check outstanding amounts. Export ledger records and share balance statements as PDFs when you need to follow up. Loan tracker Keep track of money lent and borrowed. Set due dates, receive reminders and record partial or full repayments. See the remaining balance without searching through old notes or messages. Bill tracker and reminders Organize recurring bills and upcoming payments. Get a bill reminder before the due date, spot overdue bills and mark payments as completed while keeping a payment history. Access across devices, with offline support Start without creating an account, or sign in with your email for free cloud backup and sync across your devices. Add and view transactions without an internet connection. When signed in, offline changes sync when you reconnect. Cloud backup, sync and sharing updates with your team require internet access. Share your business with staff With optional Premium, invite employees to your business and choose what each person can view or change. Team members can record sales and expenses from their own phones. Activity history helps you see who added, changed or deleted a record. Export and share Export your data to PDF, CSV or Excel, and import transactions from spreadsheets. Share bill, loan and balance reminders through WhatsApp, email or other apps. Budgets and savings goals Use the budget planner to set weekly or monthly limits by category. Follow your progress and set savings goals based on the income and expenses you record. Make it your own • Choose from 60+ currencies and 17 languages. • Protect access with a PIN. • Switch between light and dark mode. Free features and Premium Expense Tracking is free to use with ads. Core features include personal tracking, Business Mode, ledgers, bills, loans, budgets and savings goals. Optional Premium removes ads and enables business sharing with staff. Premium is an auto-renewing subscription. Payment is charged to your Apple Account at purchase confirmation. Subscriptions renew unless cancelled at least 24 hours before the current period ends. Manage or cancel your subscription in your Apple Account settings. Start with your next transaction and build a clearer picture of your personal and business finances. Privacy Policy: https://expensetracking.reflect-technology.ca/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/