SpendBalance vs Monyze

SpendBalance shows you where your money goes, without the setup. Add a purchase in two taps. Set rent, subscriptions and allowances once and they track themselves — daily, weekly or monthly — so you only log what you actually choose to spend. Everything stays on your iPhone. No account, no sign-up, nothing collected. WHAT YOU GET - Two-tap entry — log a purchase in seconds - Recurring transactions — set repeating income and expenses once and let them run daily, weekly or monthly - Four dashboard widgets — month's overview, balance trend, budget situation and spending split - 38 categories in groups like Campus Life, Food & Social and Personal Wellbeing — pick the 7 that matter to you - Day, week, month and year views - 66 currencies - Custom colours and a dashboard you arrange yourself - Dark mode, following your system setting HOW IT WORKS SpendBalance doesn't connect to your bank. You enter what you spend, which takes a couple of seconds — and means the app works with any bank in any country, and that your financial data never leaves your device. Recurring items handle the predictable spending on their own. Start in under a minute. No sign-up screen, nothing to connect.

Who with, what for, how - track and analyze your spending from every angle Monyze is a new kind of budget tracker that lets you tag each transaction with multiple categories at once. When you record "$50 dinner with a friend": Other apps: Food $50 - done. Monyze: Who? Friend / What? Food / Type? Variable - all at once! Now you can instantly see how much you spend with friends, how much of your food budget is fixed costs, and so much more. [!!!Launch Special - All Features Free!!!] Download now and enjoy every feature, including premium tools, completely free. [Multi-Angle Analysis - Only in Monyze] - Multi-Category System Apply multiple classification layers to each transaction: "With / For / Nature" and more. Add, edit, or remove top-level categories freely. Build your own classification system. How to use it: - With: Track spending by companion - Me, Friends, Partner, Family - For: Categorize by purpose - Food, Transport, Culture, Living - Nature: Fixed vs Variable costs for financial health checks - Add your own: "Payment method", "Project", "Trip" - any angle you want - Category Filter Analysis Toggle category layers on and off in pie charts and bar graphs to explore your spending patterns from every angle. - Linked Transactions Link related transactions and only the net amount counts in your totals. Records are preserved, double-counting is eliminated. Perfect for: - Splitting bills: Pay $100 for the group, get $75 back, only $25 counts as your expense - Lending and repaying: Link the loan and repayment to see the net impact - Investment buy and sell: Link purchase and sale to instantly see your profit or loss - Card cashback and rewards: Link the cashback to the original purchase for true spending - Refunds: Link the refund to the purchase for clean accounting [Smart Money Management] - Income, expense and savings at a glance per account - Charts by period (weekly / monthly / yearly) - Calendar view with daily income and expenses - Transaction search (category filter + text search) - Edit, delete, or unlink transactions anytime [Works Worldwide] - 14 currencies supported - Record in local currency while traveling - auto-converted to your base currency - Manually adjust exchange rates anytime - Full English and Korean support [Excel Dashboard Export] - Export all transactions to a polished Excel file in one tap - Financial dashboard: savings rate, emergency fund ratio and fixed-cost ratio auto-diagnosed - Set a net worth goal and get required savings and investment return calculated automatically - Weekly, monthly and yearly summaries with category breakdowns - Auto-filters to slice and dice your data freely [Privacy First] - No servers - all data stays on your device - Even we cannot see your data - Works perfectly offline - PIN lock to protect your app Understand your spending in 3D with Monyze, and take the next step toward your financial goals. Contact: uraniumura1996@gmail.com