Fundeer vs SpendSteps

Fundeer tracks spending, splits trip costs and runs shared family budgets. You can start without an account, and tracking works without internet. Log purchases without typing Set up Apple Pay tracking once in Settings. After that, a purchase in a shop is added with the merchant and the currency you paid in. Connect Monobank, the Ukrainian bank, and card spending arrives on its own. Three other ways to add an expense Say "coffee, 45" and the entry fills in, ready for you to check. Point your camera at a receipt and Fundeer reads the merchant, the items, and the total. The things you log most stay one tap away on quick-add buttons and shortcuts. Split trip costs Start a trip, invite the people on it, and everyone logs as they go. At the end, one screen shows who pays whom back. Equal splits, exact amounts, shares, or percentages, in as many currencies as your trip needs. Trip Mode Turn on Trip Mode when your trip starts and everything you add goes to that trip. Card purchases wait in a list only you see until you add them. Each trip gets its own report: total spent, daily spending, and where the money went. Shared family budgets Share a budget with your family and track everyone's contributions and shared expenses in one place. Each member's role sets what they can change. Balances update live for everyone in the family. Import from your bank or another app Import a statement downloaded from your bank. If Fundeer doesn't recognize the file, you choose which column is which. Backups from other budget apps come across too. Activity One Activity screen gathers what happened across your trips and shared budgets: new expenses, settlements, invitations and budget warnings. Analytics Overview scores your month on savings rate, budget control, consistency, income flow, and balance. Breakdown shows every category and every day. Forecast (Plus) projects how the month ends from your own habits. Rearrange the cards to put what you care about first. Early retirement planning Set your target number and retirement age, and see when you could reach financial independence. Budgets and savings goals Set a monthly limit and see how much room is left. Create savings goals with a date and see how much to set aside each month. Privacy Lock the app with Face ID, Touch ID, or your device passcode. The screen blurs the moment you switch away. You can turn off analytics and crash reports in Settings. Also included - Monobank connection; statement import from Monobank, PrivatBank, Wise and others - Tags and categories on many transactions at once - Multi-currency: USD, EUR, GBP, UAH, PLN, and more - Available in 10 languages: English, Ukrainian, German, Polish, Czech, Spanish, French, Dutch, Italian and Portuguese - Recurring transactions - Custom categories with your own icons and colors - Export to CSV and JSON - Home Screen, Lock Screen, and Control Center widgets - Streaks, levels, and achievements - Dark mode Free and paid Fundeer is free to download, with no ads. The free version includes 5 receipt scans and 10 voice entries a month, one budget, one running trip and one device for your own entries. Logging by hand, Apple Pay, statement import, family budgets and CSV export are free. Fundeer Plus is an optional subscription, monthly or yearly. It removes the monthly limits on scans and voice entries, allows more budgets, trips and devices, and adds Forecast and PDF and Excel reports. Payment goes through your Apple Account. The subscription renews automatically unless you cancel at least 24 hours before the end of the period. Manage or cancel it in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fundeer.app/privacy

SpendSteps is a beautifully simple expense tracker that keeps every number on your device. Log spending in seconds, ask where your money went in plain language, and stay ahead of your budget. WHY SPENDSTEPS - Private by design. Your data lives on your phone — including the AI that answers your questions. There's no login and no cloud account required to get started. - Fast to log. Quick-add an expense or income in a couple of taps, with an optional note. - Made to look at. A clean, calm interface with light and dark themes. LOG WITHOUT LIFTING A FINGER - Auto-log Apple Pay: a one-time Shortcuts setup logs every Apple Pay purchase silently, with a guided walkthrough in the app. - New Apple Pay cards are added as accounts automatically, and gas-pump holds are flagged so you can enter the final amount. - SpendSteps learns your merchants — file a purchase once and future ones are categorized for you. - Glance at your recent entries right from the record screen to confirm a save or undo a mistake. ON YOUR WRIST AND HOME SCREEN - Apple Watch: see this month's spending and your budget at a glance, and log a spend with the Digital Crown. - Add SpendSteps to your watch face to log or check your budget in one tap. - Home Screen widgets show your spending and budgets, and let you log without opening the app. TRACK EVERY PURCHASE - Scan receipts with your camera or photo library and attach them to a transaction — in any of the app's supported languages. - Multi-currency support with live or cached exchange rates, converted to your base currency. Change your base currency any time and convert your existing amounts. - Browse transactions as a list or on a calendar, and search or filter instantly. - Split one purchase across several categories. KEEP YOUR ACCOUNTS STRAIGHT - Create accounts for your cash, cards, and bank accounts, and manage them in Settings. - Pick an account on every transaction, right where you log it. - See an account breakdown in Insights to know which one your money flows through. BUDGETS & INSIGHTS - Set monthly spending limits by category and see how much is left at a glance. - Get an alert when a budget is almost used up, and when you go over. - Spot trends with weekly, monthly, and yearly charts for spending and income. - Get a monthly recap on the 1st of each month. JUST ASK - Ask about your spending in plain language — "what did I spend most on?", "how does this month compare to last month?", "what was my biggest purchase this year?" - Every answer comes with the chart or list behind it, so you can check the figures. - Answers are worked out on your iPhone: your questions and transactions never leave it, and nothing trains on them. - Requires Apple Intelligence (iPhone 15 Pro or later); hidden where it can't run. NEVER MISS A BILL - Log recurring payments, from subscriptions to bills, automatically. - Get a reminder before each bill or subscription is due. - Choose weekly, biweekly, monthly, or yearly, pause any time, and always know your next charge. ORGANIZE YOUR WAY - Customize categories with your own names, colors, and icons. - Start fast with a built-in set: Snack & Drink, Groceries, Transport, Shopping, Bills & Subscriptions, and more. YOUR DATA, YOUR CONTROL - Lock the app with Face ID or your passcode. - Export all transactions to CSV, edit in a spreadsheet, and import them back — re-importing the same file never creates duplicates. - Share any month as a PDF report, for a partner, an accountant, or your records. - Available in English, Simplified Chinese, Traditional Chinese, Japanese, Korean, Spanish, French, German, Italian, Portuguese, Hindi, Indonesian, Vietnamese, and Arabic. SpendSteps is a fast, private way to know exactly where your money goes. Download SpendSteps and take control of your spending today.