BalanceTrackr vs SpendXRay

BalanceTrackr is a simple and private app to manage your finances, free from ads, paywalls and subscriptions. No login or bank connection required. Add personal and shared accounts from as many banks as you like. Track balances, transactions, loans, and credit cards with clear overviews and intuitive graphs. Most features are manual to give you full control, but optional smart features like automatic logging with Apple Pay are available to simplify your workflow. Ideal for those tired of Excel, seeking an easier alternative for personal finance management. Features: • Total balance overview • Countdown to next payday • Manual entry of accounts, transactions, loans, and credit cards • Recurring transactions for fixed expenses • Account balance graphs and history • Currency and payday customization • Loan calculator for annuity and serial loans • Face ID/Touch ID support via iOS settings • Automatic logging with Apple Pay: Log transactions automatically in the background when you pay with Apple Pay – no need to open the app. • Receipts for transactions: Add receipts from camera, photo library, or PDF directly to your transactions • Currency calculator: Instantly convert between currencies • Spending breakdown: See how much you spend by category • Widgets! Track the countdown to payday or see the balance of 1 to 3 accounts – right from your home screen. • Multiple types of notifications (optional): - Get notified when a shortcut (e.g., Apple Pay transaction) is logged, or - when an account balance falls below a chosen amount, or - about upcoming transactions you have planned, or - when it’s time to pay a loan. • Set and track your progress toward your financial goals with the savings feature • Payday integration – track your savings since your last payday • Payday history: See how much you’ve saved or spent since your last payday – over time. • Budgeting: Set monthly spending limits per category to gain better control of your expenses. • PDF Reports: Generate PDFs with an overview of your finances – choose between financial report, account report, debt report, or category report. • Choose your own background color for a more personal app experience • Multi-currency support. Choose a main currency and set different currencies per account • Smart note suggestions. Get helpful suggestions based on your past transaction notes The loan calculator provides a clear repayment plan with monthly and annual details. Figures may differ slightly from your bank, but offer a good estimate without needing to log in. Activate security with Face ID or Touch ID by holding the app icon and selecting "Require Face ID" or "Require Touch ID".

SpendXRay helps you track spending, organize receipts, and understand what you actually buy. Keep your purchases in one place instead of losing them across paper receipts, email confirmations, and store accounts. SpendXRay lets you review receipts, organize purchases, and build a searchable spending history with merchants, totals, and line items over time. Your account includes a limited free trial of select features, including 5 free receipt scans and 100 AI categorizations. Additional usage requires a paid subscription. With SpendXRay, you can: Review receipts and purchase records in one place Build a searchable purchase history with merchants, totals, and line items Organize purchases with custom categories Track spending and review order details anytime Use your included free trial for 5 free receipt scans and 100 AI categorizations Unlock additional scanning, AI categorization, and other premium features with a paid subscription SpendXRay also works with our desktop Chrome extension, which can import past order history from supported retailers into your account. Access to import features may require a paid subscription. SpendXRay can also help identify HSA-eligible purchases for reimbursement tracking. Some advanced features may require a paid subscription. Whether you want a receipt scanner, expense tracker, purchase tracker, or a clearer view of your everyday spending, SpendXRay helps you stay organized and keep better records with less manual work. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://spendxray.com/terms