Fundeer vs SpendSteps

undeer is an offline-first money app for tracking spending, splitting trips, and running shared family budgets. No account required, and your data lives on your device first. Log money three ways Type it, say it, or snap it. Say "coffee, 45" and it's in. 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 trips without the spreadsheet Start a trip, invite the people on it, and everyone logs as they go. At the end, one screen shows who owes whom, simplified down to the fewest payments. Equal splits, exact amounts, shares, or percentages, in as many currencies as your trip needs. Trip Mode Flip one switch when your trip starts and everything you spend — typed, scanned, spoken, or imported from your bank — attaches to that trip automatically. 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, with roles and permissions per member. Balances update live for everyone in the group. Bring your history with you Import a statement from your bank as OFX, QFX, QIF, or CSV, and map the columns yourself if the format is one we haven't seen. Existing backups from Money Manager, Monefy, Dime, and Quicken come across too. Catch up on what changed One Activity screen gathers what happened across your trips and shared budgets: new expenses, settlements, invitations, budget warnings, and role changes. Tap a notification and it opens the exact expense, budget, or settlement it was about. Analytics that earn their space Three views, one tab. Overview scores your month on savings rate, budget control, consistency, income flow, and balance. Breakdown shows every category and every day. Forecast projects how the month ends from your own habits. Rearrange the cards so your dashboard shows what you actually care about. FIRE planning Set your target number and retirement age, then watch your projected path to financial independence. Budgets and savings goals Set a monthly limit per category and see how much room is left. Create savings goals with deadlines and watch the progress add up. Offline-first, synced across devices Everything saves locally and is there instantly. When you're online, your changes sync across devices, and shared trips and family budgets stay in sync for everyone. Private by default Lock the app with Face ID, Touch ID, or your device passcode. The screen blurs the moment you switch away. Analytics and crash reporting are opt-in, and turning them off actually turns them off. Also included - Bank import for Monobank (Ukraine); more banks planned - Log Apple Pay purchases with a one-tap Shortcut - Multi-currency: USD, EUR, GBP, UAH, PLN, and more - Available in English and Ukrainian - Recurring transactions - Custom categories with your own icons and colors - Export to CSV, JSON, or PDF - Home Screen, Lock Screen, and Control Center widgets - Streaks, levels, and achievements - Dark mode

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, refreshed at midnight, 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. 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. 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 see the figures rather than take them on trust. - Answers are worked out on your iPhone. Your question and your transactions never leave the device, and nothing is used to train anything. - Requires Apple Intelligence, available on iPhone 16 models, iPhone 15 Pro, and iPhone 15 Pro Max. SpendSteps simply hides the feature when it cannot 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. - 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.