Saro vs Spendli

Saro — Offline Income and Expense Tracker Saro turns scattered receipts, transfers and goals into a single clear picture of your finances. Powered by AI, designed for everyday life, and built to respect your privacy — it is the finance app that adapts to the way you actually live. Whether you log every coffee or just want to know where the month went, Saro keeps up. Snap a receipt, speak a transaction, or chat with the built-in assistant — your numbers always end up exactly where they belong. AI Assistant in Chat • Talk to your finances. Ask Saro to create a transaction, set up a monthly budget, plan a savings goal, or break down where your money went last week — all in a conversation. Drop in a photo of a receipt and the assistant reads it, categorizes it, and adds it to your records in seconds. It is like having a financial copilot living inside your phone. AI Receipt and Document Scanning • Add expenses in a single shot. Point your camera at a receipt, an invoice, or any printed document — Saro recognizes amounts, merchants, categories and dates automatically. Import existing photos from your library and let AI handle the paperwork. Voice Input • Hands full? Just talk. Tell Saro "twelve for lunch" or "got paid 2,500 for the freelance project" and the right amount and category land in your ledger instantly. iCloud Sync • Your data follows you. Every transaction, account, goal and budget stays seamlessly in sync across iPhone, iPad and every other Apple device on your iCloud — securely and automatically. Native iPad Experience • A full adaptive layout designed for the iPad's bigger canvas. See your dashboard, statistics and lists side by side, and manage your money with the comfort of a real workspace. Advanced Statistics • Go beyond pretty charts. Compare this period to the previous one by category, see your biggest transactions, and track average income and spending over any timeframe. Spot the trends that quietly shape your budget. Widgets for Home Screen and Lock Screen • Your balance, recent transactions and most-used categories — one tap away from every screen. Launch the AI camera, add a transaction, or jump into a category directly from your widget, no app launch required. Powerful Search and Filters • Find any transaction in seconds. Search by description or category, or narrow down by an amount range — perfect for tracking down that one purchase from three months ago. Flexible Balance • Choose how your balance is calculated — all time, current month, or current quarter — and show it exactly where you want it: on the dashboard, in a widget, or both. Income and Expense Tracking • Log income, expenses and transfers between accounts or savings goals. Notes, attachments and a built-in calculator make every entry effortless. Financial Goals • Set savings goals for the new bike, the long vacation, or the emergency fund. Track your progress visually and route money toward them through transfers. Flexible Budgets • Plan with precision. Build budgets for a single category or combine several into one (think "Dining Out" plus "Entertainment" together), set limits, and see what is left to spend at a glance. Debt Management • Track money you have lent and money you owe, with dates and notes, so every loan, IOU and split bill stays under control. Multi-Currency Accounts • Travel and earn in any currency. Hold wallets in different currencies, transfer between them, and see your total balance converted to your home currency. Customizable Interface • Personalize your dashboard. Hide what you do not use, surface what matters, and arrange the cards the way your brain works. Privacy First, Offline by Design • Saro works fully offline — no account required, no tracking, no ads. Optional Face ID and passcode lock keep your data yours and yours alone. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spendli makes expense tracking effortless — whether you're managing daily spending, splitting bills with friends, or tracking costs on a trip abroad. SMART EXPENSE ENTRY Add expenses your way. Point to Shoot receipts and AI registers your expenses. Type naturally with Quick Add ("Starbucks 4.50"), speak hands-free with Voice Add, scan receipts with AI-powered recognition, or use the detailed form for full control. Spendli parses everything automatically. SHARED ROOMS Create persistent/quick rooms for your apartment, trip, or any group. Open sessions within rooms to track rounds of shared spending. Settle up when you're done — Spendli calculates who owes whom and minimizes the number of transfers needed. SPLITS THAT SETTLE THEMSELVES Split any expense equally, by percentage, by shares, or by exact amounts. Track who's paid and who hasn't. Send payment reminders. Settle via UPI (India) or Venmo, Cash App, and Zelle (US/Canada) — right from the app. MULTI-CURRENCY & TRAVEL MODE Traveling? Spendli auto-detects your timezone and switches currencies. Track expenses in any currency with real-time exchange rates. Perfect for international trips. BUDGETS & SPENDING MONITORS Set monthly budgets by category. Get alerts when you're approaching your limit. Monitor specific merchants or spending patterns with smart spending monitors. INSIGHTS THAT MATTER Spending DNA breaks down your habits. See where your money goes with category analysis, trend charts, and monthly comparisons. Spend Mood tracks your financial wellness over time. YOUR DATA, YOUR CONTROL All personal information is encrypted on your device with AES-256-GCM before it ever reaches the cloud. No analytics. No ads. No tracking. Export your data anytime. Delete your account instantly. BACKUP YOUR WAY Back up to iCloud Drive, Google Drive, or managed cloud. All backups are encrypted. Restore on any device. FREE TO START Full expense tracking is free forever. Upgrade to Pro for AI features and splits, Premium for shared rooms and budgets, or Ultra for managed AI and cloud sync. — Spendli is a privacy-first expense tracker with AI receipt scanning, bill splitting, shared rooms, trips, budgets, and encrypted backup. Free • Expense tracking with manual entry (unlimited) • 450 AI parses per month (Quick Add, Voice Add, Receipt Scanner, Statement Imports) - on top of manual adds • Local bill splits (up to 5 participants) • 2 Free permanent rooms (upto 5 members each) - share apartment, trip expenses with each other by creating virtual rooms and chat while you do it. Settle when you want (end of month, end of trip). • iCloud / Google Drive encrypted backup (local) • Widget, basic analytics Spendli Plus (paid subscription required) • 5X AI parsing — Quick Add, Voice Add, Receipt Scanner • Spending DNA — radar charts, heat maps, behavioural clusters • Budgets & Monitors with live burn-rate alerts (unlimited) • Shared Rooms and Trips with real-time sync (unlimited) • Statement Import (Excel / PDF / CSV) (unlimited) • PDF / CSV report export (unlimited) Spendli Ultra (paid subscription required) • Everything in Plus • Managed AI (Google Gemini) — no setup, no API key - • Managed Cloud Backup — encrypted, recoverable on any device, your trips, shared rooms, splits all backed up • Coming soon to Ultra - Automatic Bank Syncs - worry free spending, Spendli pulls your transactions organizes them for you. Subscription terms Subscriptions auto-renew monthly at the price shown in-app until cancelled. Cancel at any time in Apple ID → Subscriptions; cancellation takes effect at the end of the current billing period. Payment is charged to your Apple ID on purchase confirmation. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spendli-app.web.app/privacy.html Questions? Contact customer.support@microvernitech.com