LAPI vs Zpent

LAPI is your complete personal financial assistant. Manage your finances smartly, organize income and expenses, track credit cards, and achieve your financial goals. MAIN FEATURES TRANSACTION MANAGEMENT - Record income, expenses, and transfers - Organize by custom categories and tags - View in calendar or list - Import OFX/CSV statements CREDIT CARD CONTROL - Track invoices and due dates - Automatic limit control - Easy installment payments - Due date alerts FINANCIAL GOALS - Set savings objectives - Track your progress - Get motivated to reach your goals MONTHLY BUDGET - Create budgets by category - View spending vs. planned - Alerts when exceeding limits CASH FLOW FORECAST - See future projections - Plan ahead - Smart insights about your spending FAMILY SHARING - Share finances with family - Control who can view or edit - Integrated chat between members AI FINANCIAL COACH - Get personalized tips - Smart spending analysis - Suggestions to save money APPLE WATCH - Check your balance on your wrist - Recent transactions - Custom complications SECURITY - Your data is encrypted - Face ID / Touch ID login - Secure cloud sync MULTI-PLATFORM - iPhone and iPad - Web (web.lapiapp.com) - Apple Watch FREE PLAN - Up to 2 bank accounts - Unlimited categories and tags - Up to 1 credit card PRO PLAN - Unlimited accounts - Family sharing - AI financial coach - Advanced forecasts - Priority support Developed by LM Planejamento Financeiro. TERMS AND PRIVACY Terms of Use (EULA): https://ajuda.lapiapp.com/politicas/termos/ Privacy Policy: https://ajuda.lapiapp.com/politicas/privacidade/

Stop manually categorizing transactions. Zpent does it instantly. Categorizing transactions is one of those tasks everyone knows they should do — and nobody wants to. It's tedious, time-consuming, easy to fall behind on. Zpent makes it disappear. Import a PDF, CSV, XLS, XLSX, OFX, or QFX from any bank, and Zpent's AI categorizes every transaction in seconds. 17 smart defaults, unlimited custom categories, and the model learns from your corrections. What used to take an hour now takes seconds — and seeing your spending actually organized feels surprisingly satisfying. SAFE TO SPEND One clear number: exactly how much you can comfortably spend right now, factoring in your monthly budget and upcoming commitments. No spreadsheet, no math. Just a glance. EXPENSE HEATMAP A color-coded calendar of your spending patterns. Spot which days and weeks actually drain your wallet — at a glance. AI ASSISTANT Ask plain-English questions: "How much did I spend on restaurants last month?" or "Am I on track with my grocery budget?" Instant answers, grounded in your real data. BUDGETS THAT LEARN FROM YOU AI-suggested limits based on your actual spending history. Adjust as you go, copy from previous months, get visual breakdowns by category. UNIVERSAL IMPORT PDF, CSV, XLS, XLSX, OFX, QFX. Any format from any bank in 150+ currencies, with automatic format, currency, and date detection. SCHEDULED PAYMENTS Track recurring payments — subscriptions, rent, salary — with calendar reminders, "due this week" alerts, and the ability to skip individual occurrences. PRIVACY, FIRST CLASS Encrypted in transit (TLS 1.2+) and at rest (AES-256). GDPR compliant. SOC 2 Type II infrastructure. Your financial data is never used to train AI models. Ever. FAMILY & COLLABORATORS Share view-or-edit access with a partner, accountant, or family member. Everyone stays on the same page. Privacy policy: https://zpent.io/privacy Terms of use: https://zpent.io/terms Support: support@zpent.io