Bloom vs Save Wise

Bloom is a private, offline-first money tracker. No account required. No server. Everything stays on your iPhone. KNOW WHERE YOU STAND One honest number: your account balances minus what you've spent on credit cards this cycle. Add your bank account, cash wallet, Touch 'n Go, EPF, ASB, or Tabung Haji and get a real picture of your financial position. TRACK EVERY RINGGIT - Log transactions manually in seconds - Scan receipts with your camera, OCR reads the merchant and amount for you - Connect Apple Pay via a Shortcuts automation for automatic logging - Import your bank statement as a CSV, Bloom maps the columns and skips duplicates PLAN AHEAD - Monthly budgets per category with a live progress bar - Savings goals with optional auto-contribution schedules - Loans, installments, and recurring bills tracked in one place - 30/60/90-day cashflow forecast warns you before your balance dips SEE THE BIG PICTURE - Net worth: assets minus liabilities with a monthly trend chart - Spending insights: burn rate vs your 3-month average, category spikes, card utilisation alerts - Recurring payment audit, find subscriptions you forgot about - Daily heat strip, weekday vs weekend split, projected month-end spend BUILT FOR MALAYSIA - Ringgit (RM) formatting throughout - EPF, ASB, and Tabung Haji as built-in account types - LHDN tax relief codes mapped to categories - Tax Pack export: receipts and a category-sorted CSV ready for e-filing - Bahasa Malaysia interface option PRIVATE BY DESIGN - All data lives on your iPhone and syncs to your own private iCloud, never ours - Scanned receipts stored with file-level encryption - Face ID / Touch ID lock with a configurable grace period - Content hidden from the iOS app switcher HOME SCREEN WIDGETS Four glanceable widgets: spent this month, budget left, next bill due, and savings progress. Available on the Home Screen, Lock Screen, and in the Dynamic Island. Bloom is free forever for manual tracking. Bloom Pro unlocks the receipt scanner, Apple Pay auto-log, CSV import, unlimited accounts and cards, Home Screen widgets, the full Insights suite, iCloud sync across your devices, and the LHDN Tax Pack export. Monthly, yearly with a 7-day free trial, or a one-time lifetime purchase. Your data stays on your device either way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

SaveWise — Premium Expenses Tracker Built for Malaysians Stop guessing where your money goes. SaveWise gives you real-time financial clarity with the depth most budget apps skip — EPF dividends, loan auto-deduct, credit card cycles, and full insight analysis, all in one beautifully designed app. SMART SCAN — SCAN RECEIPTS IN ONE TAP Set up iPhone Back Tap, scan any receipt with a double tap on the back of your phone. On-device OCR extracts the amount, merchant, and date automatically. Confirm in the Dynamic Island and you're done — no typing, no friction. FULL ACCOUNT COVERAGE • Assets: bank, e-wallet, cash, investments • Loans: personal, hire purchase, housing (with construction stages) • Credit cards with statement cycles • Provident Fund: MY EPF, SG CPF, India EPF, or custom — with sub-accounts, auto-contribution, and dividend calculation LOAN AUTO-DEDUCT Set your monthly repayment once. SaveWise deducts it automatically every month in the background — no missed payments, no manual entry. SMART CATEGORY PREDICTION Learns from your past transactions and gets better the more you use it. Fuzzy match plus keyword fallback across 7 categories means most scans are categorized correctly on the first try. REAL-TIME INSIGHTS • Net worth at a glance • Monthly income vs expense breakdown • Spending by category, with trend analysis • Saving goals with progress tracking BUILT FOR PRIVACY — OFFLINE-FIRST All your financial data lives on your device. No accounts, no cloud sync of personal data, no ads. Your money is your business. PREMIUM DESIGN, NATIVE FEEL Crafted specifically for iOS with Apple's Liquid Glass design language — translucent materials, fluid animations, and native controls throughout. It feels like it belongs on your iPhone because it was designed that way. HOME SCREEN WIDGETS Glance at your balance, today's spending, or net worth without opening the app. DAILY REMINDERS Optional spending reminders, loan payment alerts, and contribution reminders to keep you on track. CUSTOMIZABLE Choose your accent color, set a custom background, adjust blur intensity — make it yours. MADE IN MALAYSIA Designed with Malaysian users in mind — EPF, hire purchase loans, local categories — but flexible enough to work anywhere in the world with any currency. No subscription. No ads. No data harvesting. Just a thoughtful expenses tracker that respects your time and your privacy. Download SaveWise and finally know exactly where you stand.