Sem vs Spense

Take control of your finances with Sem, the user-friendly budgeting app designed for everyday users. Easily add and manage your expenses, categorize them, and stay on top of what matters most. With monthly budget overviews, push notifications to remind you of upcoming expenses, and the ability to generate detailed statements, managing your finances has never been simpler. Whether tracking savings, wants, or needs, Sem helps you see where your money goes. Key Features: • Add and manage expenses with name, status, due date, category, and notes. • Select any month for your budget. • Receive push notifications 3, 2, or 1 day before a expense is due. • Auto-generate and download monthly statements. • Multi-select and swipe to manage expenses. • Light and Dark mode support. • Budget overview by month. • User feedback integration. • Onboarding guide. Developed by a solo creator passionate about financial health, Sem is here to make personal finance easier for you. We welcome all feedback and suggestions through the Feedback button in Settings. Let Sem help you manage your finances effortlessly.

Stop Impulse Buying. Build Wealth. Master Your Wallet. Want to buy something? Wait first, decide later! Spense helps you control impulsive purchases by distinguishing between what you truly need and a fleeting desire. Save your money and avoid regret using the scientifically proven "cooling-off period" method. WHAT’S NEW IN VERSION 1.2 Interactive Charts: Stats just got livelier! Tap on pie charts to highlight categories and see spending details instantly. Smart Notifications: Stay focused with weekly summaries and motivation notifications that keep you on track. HOW IT WORKS? Add What You Want: Enter the item name, price, and category. Add it to your waiting list instead of buying it immediately. Set Your Rules: Choose a standard waiting period (24h, 3d, 7d) or set your own. Add a note: "Why do I want this?" Wait & Reflect: Let your emotions settle. During the waiting period, Spense offers alternative scenarios and suggestions like "What else could I do with this money?" See the True Cost: Use the Salary-Based Calculator to see the item's true cost on your life energy. "Is this gadget worth 3 days of work?" Decide Consciously: When the time is up, make your decision: Buy or Save. Track your success and watch your savings grow! FREE FEATURES 3 Active Waiting Lists: Start managing your desires immediately. Interactive Charts: Visually analyze your spending and interact with graphs. Flexible Waiting Periods: Use presets or customize your waiting time (from 1 hour to 1 year). Salary Calculator: Instantly convert price into work hours. Smart Reminders: Get notified when it's time to decide. Basic Stats: Track your win rate, total savings, and spending. Theme Support: Light, Dark, and System modes. Accessibility: Full VoiceOver and Dynamic Type support. Privacy First: No account needed, data stays on your device. Widgets: Access and manage your list from your home screen. PRO FEATURES (WEALTH MINDSET) Unlock the full potential of mindful spending: Unlimited Waiting Lists: Add as many items as you need. Advanced Assistant: AI-powered questions help you separate wants from needs and calculate a "Buy Score" (0-100). Double Reminders: Set a second custom reminder before the time expires so you never miss a decision. Deep Analytics: Filter stats by date range (Last 7 Days, Month, Year), category, and status. Visual Insights: Monthly trends, category performance charts, and success analysis. iCloud Sync: Seamlessly and securely sync your data across iPhone, iPad, and Mac. Priority System: Pin important items to your widget. PRIVACY AND SECURITY Your financial data belongs only to you. Data stays on your device (Local storage). Optional encrypted iCloud synchronization. Data is never shared with third parties. Salary info is used only for calculations and is never transmitted. SCIENTIFIC BASIS Spense is built on principles of behavioral economics and consumer psychology: Cooling-off Period: Reduces emotional decision-making. Opportunity Cost: Visualizes what you give up to buy an item. Mental Accounting: Helps categorize and rationalize spending. SUBSCRIPTION INFORMATION: • Monthly Plan: $4.99/month • Annual Plan: $39.99/year (7-day free trial) • Lifetime Plan: $99.99 (One-time payment) Prices may vary by location. Your subscription will automatically renew unless canceled at least 24 hours before the end of the current period. Manage your subscriptions in Account Settings after purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://raw.githubusercontent.com/cemalas/Spense-Privacy/refs/heads/main/Privacy%20Policy