My InOut iO vs Gravity

My InOut (IO) is your smart companion to track what comes in and what goes out—whether for personal use, household planning, or small business needs. Key Features: • Quick Entry: Add any incoming or outgoing item easily with manual input or our structured POS (Point of Sales) and POE (Point of Expenses). • Snap & Track: Just scan your receipt—IO reads and logs it for you automatically. • Multi-Pocket System: Organize everything into pockets for different purposes or sources, like groceries, travel, or your store. • Simple Insights: Visual overviews help you understand where your money goes. • Global Use: Supports multiple languages and currencies. My InOut keeps your day-to-day tracking simple, quick, and organized—so you can focus on what matters most.

Know what's safe to spend — every single day. Gravity does the math you never do: your income, minus what you've spent, minus the bills that haven't hit yet — divided by the days left. One number, every morning. A progress bar shows today's burn. That's it. No spreadsheet, no guilt. CAPTURE IN SECONDS • Keypad-first quick add — amount, merchant, done • Merchant autocomplete that learns from you • Rules that auto-categorise ("swiggy" → Food, forever) • Import bank-statement CSVs — even messy ones with buried headers • Attach receipts to any expense • Log by voice with Siri, or straight from the widget EVERY RUPEE HAS A PLACE • Accounts — banks, credit cards (with limit meters), cash, wallets • Transfers between accounts that never pollute your spending • Net worth: what you own minus what you owe • Split any bill across categories — or mark a friend's share PEOPLE — the udhaar book your memory deserves "Rohit owes me ₹2,000." Track money lent and borrowed, settle up with one tap, see your net position. Split a dinner and the friend's share lands here automatically. BILLS & EMIs THAT MANAGE THEMSELVES • Auto-detects subscriptions and EMIs from your history • Add EMIs with an end date — "14 instalments left, ends Mar 2027" • Reminders before every due date, naming the account to keep funded • Price-hike alerts when a subscription quietly gets costlier • Flag-to-cancel and see exactly what you'd save UNDERSTAND YOUR MONEY • Monthly report: what moved vs last month, biggest expense, spending calendar • Category breakdowns, top merchants, trend charts • No-spend streaks on a heatmap — build the habit • A 5-pillar financial health score • Budgets that warn at 85%, goals with round-up auto-savings WIDGETS EVERYWHERE Home screen and lock screen — this week's spend, today's total, safe-per-day, and one-tap quick add. PRIVATE BY ARCHITECTURE No account. No cloud. No analytics. Your financial life lives in your phone's encrypted storage and nowhere else. Back up to a file you control; restore anywhere. Face ID lock built in. Trips & tags for travel budgets. Multi-currency with live rates. Light and pure-black dark themes. Made with obsession by BlackSpace AI. Your money, in orbit.