Spense vs 0based

Spense — Budgeting That Does Itself Download, connect your bank, done. Spense categorizes every transaction as it arrives and shows you exactly what's safe to spend — no Try everything free for 14 days. No credit card, no sign-up forms — open the app and your trial starts. After that, Spense is $2.99/month or $24.99/year. One plan, everything included. Budgeting on Autopilot - Transactions categorize themselves the moment they arrive - See what you've spent and what's left, per category, in real time - Spending trends show whether you're ahead of or behind your own pace - Smart credit card tracking — spending per card, payments detected automatically Built on a Method That Works Under the hood, Spense runs on envelope budgeting, the 100-year-old method where every dollar gets a job. Want to be hands-on? Switch to Manual Mode and assign every dollar yourself until $0 is left, with targets for bills, savings goals and debt payoff. Want it effortless? Stay in Auto Mode and let Spense do the sorting while you keep the visibility. Both are included — change anytime. Switching? - From another auto-sync budgeting app: Auto Mode gives you the same hands-off experience at a fraction of the price - From YNAB: import your categories and history in minutes — same method, simpler app, lower cost - From spreadsheets: keep the control, lose the data entry Key Features - Automatic bank sync and categorization via Plaid - Real-time category balances and flexible reallocation - Targets for bills, savings goals and debt payoff - Savings goals with progress tracking - Monthly reflections: where your money went, month over month - Smart credit card and transfer detection - YNAB import - Pick your own emoji for every category - Face ID / Touch ID app lock - Works with any pay schedule Built by a small independent team, not a big tech company or a bank. Your feedback shapes the roadmap. Stop reconstructing where your money went. Start knowing before you spend. 14-day free trial included, then $2.99/month or $24.99/year. Cancel anytime. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://usespense.com/privacy

0based is an AI-powered finance app that actually understands your money. Track personal and business finances in one place — then ask your AI advisor anything. Can I afford to hire? Am I overspending? What's my runway? Get real answers based on your real data. PERSONAL FINANCE Track all your accounts — checking, savings, credit cards, loans. Set budgets by category, track bills and due dates, and let AI spot patterns in your spending you might miss. STARTUP & BUSINESS Monitor your cash position and expenses. Track burn rate and runway. Ask the AI anything about your company finances — it knows your numbers. AI THAT KNOWS YOUR MONEY Ask anything in plain English. The AI analyzes your actual accounts, transactions, and budgets. It remembers your goals across conversations — every interaction builds on the last. SMART INSIGHTS AI-generated insights on your dashboard. Spending spikes, budget alerts, unusual activity — surfaced automatically. SHIELD MODE Not ready to face the numbers? Activate Shield Mode to hide your balances with a single tap. Let the AI surface what matters — insights, alerts, and patterns — so you stay informed without the anxiety. Full visibility when you want it. None when you don't. CONNECTED BANKING Link your bank accounts for automatic transaction sync. Your data updates in real time — no manual entry required. BUILT FOR PRIVACY Sign in with Apple — no email or name collected. Your data is never sold or shared. Export or delete anytime.