Finance Tracker vs Zen Spend

ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately. YOUR MONEY, YOUR RULES Your data stays on your devices and syncs only through your own private iCloud. No sign-up, no ByJo servers, no sharing. What's yours stays yours. TRACK EVERYTHING YOU OWN Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place. SMART SPENDING INSIGHTS • Spendmeter — compare today to yesterday, this week to last week • Monthly Summary — income vs. expenses at a glance • Top Expenses — know exactly where money goes • Savings Rate — measure how much of your income you keep • Asset Allocation — visualise your portfolio mix • Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time WALLET AUTO-LOG Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. OPERATION SPLITS & CATEGORY BUDGETS Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check. RECURRING OPERATIONS Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks. FINANCIAL GOALS Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever. FUND TRANSFERS Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up. EXPORT & IMPORT Back up everything as JSON, or bring operations in from CSV. HOME SCREEN & LOCK SCREEN WIDGETS Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app. SIRI & SHORTCUTS Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app. CUSTOMISABLE HOME Rearrange and hide home widgets to match how you think about money. Put what matters most at the top. 50+ CURRENCIES Pick your preferred currency and see all values in one consistent, clean view. Start with a 7-day free trial on the yearly plan, or choose the weekly plan or a one-time lifetime purchase. Subscriptions renew automatically (weekly or yearly) unless cancelled at least 24 hours before the end of the current period. Cancel anytime in your Apple Account settings. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://by-jo.com/privacy

Zen Spend – Smart & Private Expense Tracker Managing money shouldn’t be confusing. Every day you spend on food, travel, shopping, bills, and subscriptions — but at the end of the month, it’s hard to understand where your money actually went. Zen Spend is a clean, private, and easy-to-use expense tracker designed to give you complete clarity over your spending habits — without complexity. Key Features Manual Expense Tracking Add your expenses easily with amount, category, payment mode, and date. Perfect for users who want full control over their financial data. Smart Analytics & Insights Visual charts help you understand: Daily & weekly spending trends Monthly expense summaries Category-wise breakdowns Make better decisions with real insights. Category-Wise Organization Organize expenses into categories like: Food & Dining Shopping Transportation Bills & Utilities Entertainment Healthcare & more App Lock & Privacy Your data stays only on your device. App Lock / Biometric protection No account required No cloud sync No servers involved Fast, Simple & Offline Lightweight & smooth performance Works completely offline No internet needed Privacy First – Always Zen Spend respects your privacy. No background data collection No tracking No third-party data sharing Your expenses stay with you only Who Is Zen Spend For? Anyone who wants simple money tracking Users who prefer manual control People who care about privacy Anyone tired of complicated finance apps Take Control of Your Spending Start tracking smarter, spend mindfully, and stay in control of your money — the Zen way.