ToSpend vs Centee

ToSpend gives you a clear overview of the expenses that actually matter, so you always know what is coming up and what you have already paid. FEATURES: • Recurring expenses – Track all your monthly and yearly costs in one place. • One-time expenses – Plan ahead for larger purchases. • Countdown to due date – See how many days are left until the next expense is due. • Paid archive – Browse a full history of past expenses, grouped by month and year. • Someday list – Save potential purchases without setting a date. • Categories – Organize expenses by category to keep things structured. • Reminders – Get notified before expenses are due. • No login – Download ToSpend and just get started. It can be this simple. • iCloud – All your data stays on your device and is backed up in your iCloud. - - - - Privacy Policy (https://www.tospend-app.com/app/data-privacy)  Terms Of Use (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

Log expenses in seconds by speaking or scanning a receipt. Centee turns each purchase into a reviewable record, with no bank connection required. Speak a purchase, scan a receipt, bill, or payment screen, or add it yourself. AI helps recognize the item, amount, date, and category before you review and save. Capture every expense in seconds No ads, account registration, bank connection, or long forms. Speak naturally, for example: “I bought a coffee this morning for $5.” Centee recognizes the item, amount, and time, then turns your words into a record you can review before saving. Keep receipts, bills, and payment screens together Store receipts, invoices, payment screens, and bills with each expense. Scan a photo and let AI help extract key details before you save. Track how you paid Record cash, cards, digital wallets, bank transfers, and other payment methods alongside each expense. Ask your ledger with AI When your ledger has enough history, search a purchase or ask a question about spending. Centee bases answers on your saved titles, amounts, categories, dates, and notes—not generic financial advice. Receipt photos are not shared for these answers. Review AI results before acting. Capture faster with Back Tap Install the Centee Shortcuts once, then assign them to Back Tap in iPhone Settings: - Double-tap the back of your iPhone to capture a screenshot of a receipt, invoice, or payment screen and send it to Centee. - Triple-tap to start Quick Add. Enter the amount, product, date, and category, then save without opening the app. Today’s date is selected by default, and your default payment method is applied automatically. The selected date is preserved while the current time is recorded. More ways to stay on top of spending - Log expenses by voice - Scan receipts and bills - Track spending, income, subscriptions, and daily costs - Review category trends and AI summaries - Ask Centee about your ledger and spending patterns - Attach photos and item stickers to records - Use widgets and Shortcuts for faster capture - Export or review your history when needed Minimal by design A calm, focused interface keeps daily expense tracking simple, with no unnecessary setup. Private by design Centee does not require bank linking. AI results may need review before saving, and your records should be checked for accuracy. Centee is a personal finance tracking tool. It does not provide financial, tax, investment, credit, debt, or legal advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sunheihei.github.io/Flow-Ledger-Privacy/privacy Terms of Use: https://sunheihei.github.io/Flow-Ledger-Privacy/terms.html