Expense Tracker vs Spend

Introducing MonAi, the app that revolutionizes how you track your daily expenses. With a fun, easy, and beautiful interface, MonAi simplifies expense tracking like never before. No more time-consuming data entry. Enter your expenses just like a voice message and MonAi will automatically split and categorize it for you. No login required, all saved securely in your personal iCloud. EFFORTLESS EXPENSE TRACKING Experience the future of expense tracking with MonAi's seamless voice input feature. Effortlessly capture your expenses by simply speaking them out loud. MonAi's robust AI algorithms intelligently categorize and divide your expenses without any manual effort on your part. Don't worry if voice input isn't your preference—MonAi offers versatile options. Enter expenses manually and still benefit from the app's intelligent categorization. Alternatively, drag and drop a category onto the input field to define your own custom category. MonAi adapts to your needs, making expense tracking quick, fun, and tailored to your style. BEAUTIFUL UI/UX DESIGN Enjoy a delightful and user-friendly interface, carefully designed to elevate your expense tracking experience. Embracing simplicity and elegance, MonAi's user-friendly design ensures that you can focus on what matters—your finances. Unlike overwhelming apps with unnecessary features, MonAi strips away the clutter, presenting you with a streamlined and intuitive interface that makes tracking expenses a pleasure. PRIVACY-FRIENDLY AND SECURE Rest assured knowing that your expense data is stored securely in your own personal iCloud. MonAi values your privacy and does not require any login credentials and doesn't have access to any of your data. Download MonAi now and discover a seamless and efficient way to track your expenses. Take control of your finances and experience the convenience of MonAi. Get to know the app and all of it’s features first with a free trial before you can choose between a monthly or yearly subscription. The subscription will automatically renew at the end of the period, for the same price. You can turn off the auto-renewal at any time up until 24-hours before the end of the subscription period in your Account Settings. When you cancel the auto-renewal, access to the "Pro features" will not expire immediately, you will have access until the end of the current payment period. Read more about it in the terms of service: https://www.get-monai.app/terms

Know what is left. Spend combines quick expense logging with zero-based budgeting for iPhone and iPad. Enter the item and amount, choose a category, and you are done. Spend turns those quick entries into a clear monthly total, spending chart, and recent activity feed. Use the included Log Expense action in Apple Shortcuts after a Wallet Transaction. The automation can prefill the amount; Spend asks what you bought and shows your editable category list, then presents every detail for confirmation before saving. Or create a Quick Expense shortcut for guided entry at any time. Features: - Bright blue design with Light, Dark, and System appearance - Optional profile name and paycheck setup in Settings - Recurring pay, next-paycheck adjustments, and separate one-time planned income - Fast native expense capture - Zero-based budgeting that gives every available dollar a category - Scheduled paychecks or a manual checking-account starting balance - Move Money transfers between categories for the current month - Category balances that decrease as expenses are logged - Guided first-launch onboarding with private iCloud backup - Apple Shortcuts Log Expense action with confirmation - Apple Pay Transaction automation setup guide - Quick Expense shortcut for Control Center, Back Tap, Home Screen, or Action button - Editable spending categories shared with Shortcuts - Optional on-device category suggestions from matching past items - Sunday or Monday week start - Period, category, payment method, and item filters - Filtered totals and charts - Category insights and search - CSV export - Offline storage with private iCloud backup and restore - No separate Spend sign-in, ads, analytics, or tracking - Category budgets that subtract each expense from money left - Category targets and money remaining - Multiple local spending accounts such as Personal, Joint, and Business - Home Screen and Lock Screen widgets - 12-month spending trends - Editable save-and-invest scenarios with contributions and hypothetical growth shown separately Spend does not connect to your bank or read your card number or Wallet history. Apple Pay prefill works only through a personal automation you configure in Apple Shortcuts. Future-impact scenarios are illustrations based on editable assumptions, not forecasts or financial advice. All features are free to use, with no subscription or payment required and no trial deadline. Existing purchases remain recognised. Existing monthly subscribers can cancel through Apple and continue using Spend for free. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/