Rational Spending vs Fundeer

Rational Spending is a simple money tracker with native iOS interface. The app helps you keep track of your finances - expenses and earnings. With this app, you can easily note your own costs or earnings - input manually, import from file or automatically load bank accounts statement from available banks. At the moment Ukrainian bank Monobank is available. View charts and graphs to help you better understand your finances. Filter your money flows data by different parameters. This makes it easy to identify spending trends, track your expenses, and plan for the future. Control you week/month/year expenses by Spending Limits feature. Rational Spending has convenient transactions importing tool. So if your bank is not present in integrations yet you can manually import bank statement via transactions importing tool. Just load bank statement via CSV file or paste as string from clipboard, match fields and correct format if you need. It's easy to migrate your transactions data from other app or source. Whether you're an entrepreneur, freelancer, or just looking to get a better handle on your finances, Rational Spending is the perfect tool for you. With its intuitive interface, powerful features, and flexible options, it's the ultimate financial management app for anyone who wants to keep their finances under control.

Fundeer tracks spending, splits trip costs and runs shared family budgets. No account needed, and it works without internet. Log purchases without typing Pay with Apple Pay and the purchase is logged with the merchant and the currency you paid in, once the Wallet automation is set up from Settings. Connect Monobank and card spending arrives on its own. Three other ways to add an expense Say "coffee, 45" and it's in. Point your camera at a receipt and Fundeer reads the merchant, the items, and the total. The things you log most stay one tap away on quick-add buttons and shortcuts. Split trip costs Start a trip, invite the people on it, and everyone logs as they go. At the end, one screen shows who pays whom back. Equal splits, exact amounts, shares, or percentages, in as many currencies as your trip needs. Trip Mode Turn on Trip Mode when your trip starts and everything you add goes to that trip. Card purchases wait in a list only you see until you add them. Each trip gets its own report: total spent, daily spending, and where the money went. Shared family budgets Share a budget with your family and track everyone's contributions and shared expenses in one place, with roles and permissions per member. Balances update live for everyone in the group. Import from your bank or another app Import a statement downloaded from your bank, and match its columns yourself the first time Fundeer meets a new layout. Existing backups from Money Manager, Monefy, Dime, and Quicken come across too. Activity One Activity screen gathers what happened across your trips and shared budgets: new expenses, settlements, invitations, budget warnings, and role changes. Tap a notification and it opens the exact expense, budget, or settlement it was about. Analytics Overview scores your month on savings rate, budget control, consistency, income flow, and balance. Breakdown shows every category and every day. Forecast projects how the month ends from your own habits. Rearrange the cards so your dashboard shows what you actually care about. FIRE planning Set your target number and retirement age, and see when you could reach financial independence. Budgets and savings goals Set a monthly limit per category and see how much room is left. Create savings goals with a date and see how much to set aside each month. Works offline, synced across devices It works without internet. Your changes appear on your other devices, and shared trips and family budgets look the same for everyone. Private by default Lock the app with Face ID, Touch ID, or your device passcode. The screen blurs the moment you switch away. You can turn off analytics and crash reports in Settings. Also included - Monobank connection; statement import from Monobank, PrivatBank, Wise and BVR - Multi-currency: USD, EUR, GBP, UAH, PLN, and more - Available in English and Ukrainian - Recurring transactions - Custom categories with your own icons and colors - Reports in PDF and Excel; export to CSV and JSON - Home Screen, Lock Screen, and Control Center widgets - Streaks, levels, and achievements - Dark mode