Budget Zero vs Spense

The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope budgeting to give every dollar a job, without linking your bank account or tracking your data. Try Budget Zero Pro free for a month, or pay once with Lifetime and skip the subscription. WHY BUDGET ZERO? • Affordable - A fraction of the cost of other budgeting apps. • Private - No bank linking. No data selling. Your finances stay yours. • Simple - Manual entry keeps you mindful of every transaction • Powerful - Full envelope budgeting, with leftover money that rolls into next month HOW IT WORKS 1. Add your accounts (checking, savings, credit cards, cash) 2. Create budget categories and organize them into groups 3. Assign dollars to each category every month 4. Log transactions and watch your budget update in real time 5. Reach zero - every dollar has a job FEATURES • Zero-based envelope budgeting system • Import your budget from YNAB: accounts, categories, transactions and balances • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Rollover: unspent money carries into the next month, and you can move it to another budget • Budget groups for organized category management • Transaction tracking with payee, date, and category, plus transfers between accounts • Budgets filled in from each payee's last transaction • Credit card payment budgets that keep card spending covered • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Pro unlocks unlimited budgets, accounts and transactions. Start with a free month on the monthly or yearly plan, or buy Lifetime once and keep Pro forever. Either way, it costs a fraction of what other budgeting apps charge. Take control of your money. Download Budget Zero today. About Subscriptions: • Subscription Name: Budget Zero Pro • Subscription Length: 1 Month or 1 Year (Auto-renewable) • Subscription Price: shown in your local currency on the App Store before purchase • Free Trial: the monthly and yearly plans start with a 1-month free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, the subscription starts and renews automatically. • Lifetime: a one-time purchase that unlocks Budget Zero Pro permanently. It does not renew. Price shown in your local currency on the App Store before purchase. • Payment will be charged to your Apple Account at confirmation of purchase. • Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours prior to the end of the current period. • You can manage or turn off auto-renew in your Apple Account Settings at any time after purchase. Links: • Privacy Policy: https://budgetzeroapp.com/privacy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spense — Budgeting That Does Itself Download, connect your bank, done. Spense categorizes every transaction as it arrives and shows you exactly what's safe to spend — no Try everything free for 14 days. No credit card, no sign-up forms — open the app and your trial starts. After that, Spense is $2.99/month or $24.99/year. One plan, everything included. Budgeting on Autopilot - Transactions categorize themselves the moment they arrive - See what you've spent and what's left, per category, in real time - Spending trends show whether you're ahead of or behind your own pace - Smart credit card tracking — spending per card, payments detected automatically Built on a Method That Works Under the hood, Spense runs on envelope budgeting, the 100-year-old method where every dollar gets a job. Want to be hands-on? Switch to Manual Mode and assign every dollar yourself until $0 is left, with targets for bills, savings goals and debt payoff. Want it effortless? Stay in Auto Mode and let Spense do the sorting while you keep the visibility. Both are included — change anytime. Switching? - From another auto-sync budgeting app: Auto Mode gives you the same hands-off experience at a fraction of the price - From YNAB: import your categories and history in minutes — same method, simpler app, lower cost - From spreadsheets: keep the control, lose the data entry Key Features - Automatic bank sync and categorization via Plaid - Real-time category balances and flexible reallocation - Targets for bills, savings goals and debt payoff - Savings goals with progress tracking - Monthly reflections: where your money went, month over month - Smart credit card and transfer detection - YNAB import - Pick your own emoji for every category - Face ID / Touch ID app lock - Works with any pay schedule Built by a small independent team, not a big tech company or a bank. Your feedback shapes the roadmap. Stop reconstructing where your money went. Start knowing before you spend. 14-day free trial included, then $2.99/month or $24.99/year. Cancel anytime. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://usespense.com/privacy