Budgetum vs Spendra

Budgetum is a budget planner and expense tracker for people who want to plan their money without connecting a bank. Plan a monthly budget or a paycheck to paycheck budget, track spending and bills, and see exactly where your money goes. Everything stays on your phone. PRIVATE BY DESIGN • Works fully offline. No account, no email, no bank login • Your financial data stays on your device. Back it up or export it as CSV any time • No ads and no subscription. Budgeting is free; Pro is a one-time purchase PLAN YOUR BUDGET YOUR WAY • Monthly budgets, payday to payday budgets, or any custom period • Your own sections and categories, with your colors and icons • Planned vs. actual for every category, with clear progress bars • Budget from planned income, or set a fixed budget amount for a month • Copy last month's plan in one tap TRACK EXPENSES IN SECONDS • Add an expense or income in a few taps, with suggestions from your own history • Favourites: hold + to add a starred transaction in two taps • Split one receipt into several categories, with item counts • Checking, credit cards, cash, savings goals and debts, with transfers between accounts BILLS, SUBSCRIPTIONS AND PAYDAYS • Recurring transactions for rent, utilities, subscriptions and salary • See what's coming before it happens, with the net total for each day • Confirm each bill when it's due, so nothing slips through UNDERSTAND YOUR SPENDING • Spending by category, section, account, store, person or tag • Drill down step by step, for example Vacation › Groceries › Store A • Trends month by month, compared with last month or last year • A spending calendar to spot your expensive days • Desktop Analytics: explore your data on a big screen, privately in your browser SWITCH IN MINUTES • Import from YNAB or any CSV file • Match a bank statement to your transactions to reconcile an account (Pro) • Tags, saved filters and mass updates keep years of data tidy FREE AND PRO Budgets, expense tracking, accounts, analytics, import and export are free. Budgetum Pro is a one-time purchase: unlimited recurring transactions and tags (5 of each are free), bank statement matching, Saved Sets and Budget Sets. It also supports an independent developer. WHO IT'S FOR • Anyone moving from a budget spreadsheet, notes or paper • People who budget paycheck to paycheck or plan every dollar each month • Students, families, freelancers and anyone who wants a calm, simple money manager • Anyone who doesn't want to give a budgeting app their bank login Budgetum is a budget planner, expense tracker, bill tracker and money manager in one, without the clutter. Questions or ideas? Write from More › Report a Problem. Every message is read by the developer.

Know where your money goes and plan what comes next. Spendra helps you record purchases, set a monthly budget and review spending across iPhone, iPad, Mac and Apple Watch. Free, always: • Add, edit, duplicate and delete unlimited expenses. • Organise records with grouped categories, recent category shortcuts, tags and notes. • See a clear Spending summary and searchable history with useful filters. • Plan future one-off expenses and see upcoming payments separately until they are due. • Set an overall monthly budget and configure reminders. • Protect access with Face ID or other device authentication. • Create and restore versioned JSON backups, and delete your data at any time. Spendra Pro is an optional monthly, annual or lifetime upgrade that unlocks: • Unlimited receipt scanning with Apple Vision; three useful scans are complimentary. • Full Insights with weekly, monthly and yearly periods, comparisons, charts and category drill-down. • Recurring-expense automation with upcoming payments, subscription tracking and detection, price-change insights and renewal reminders. • CSV export. • Quick add with Siri and App Intents, from the Mac menu bar, and on Apple Watch. Pricing and any eligible introductory offer are shown in the app before purchase. Restore Purchases is available from the paywall and Settings. If Pro lapses, existing data is never deleted, hidden or made unreadable. Records sync through a private iCloud database. Apple Watch entries transfer to the paired iPhone through WatchConnectivity and then sync; availability depends on pairing and connection. Preferences remain device-local. Choose from the full ISO currency list. Spendra reports each currency separately and does not convert currencies or provide exchange rates. Spendra requires no separate account, does not connect to banks and does not provide financial advice. Camera, device authentication, notifications, Siri, exports and WatchConnectivity depend on device capabilities, permissions and system support. Terms of Use: https://nsdsrinivas.github.io/apps/spendra/index.html#terms-of-use