Accumula vs Spnding

Expense tracking is tedious. Who has time to track every cents and pennies. Instead, I propose that you keep track of a more meaningful metric, your net worth! # Accumula - Net Worth Tracker Take control of your financial future with simple, private net worth tracking. Accumula helps you build wealth by tracking what matters most - your total net worth over time. See the big picture of your financial health with manual entry that puts you in complete control. ## Key Features • Beginner friendly - Guided onboarding for new users. - Especially helpful for those coming from expense-tracking apps. • Simple & Focused - Track assets and debts with clean, intuitive design. - multiple asset/debt categories. - monthly data update. • Asset tracker - track your investment portfolio - support multiple asset types such as cash, property, investment and collectables - specify asset's liquidity and expected return for future projection • Debt tracker - support various debt types such as mortgages, credit card, personal loan and other - user can specify debt's interest rate and monthly commitment to have clear picture of debt servicing commitment - • Completely Private - All data stays on your device, no accounts required. - no data sync to external server - export it if you like • Visual Progress - Beautiful charts show your wealth building journey. - show, month-by-month growth chart - show assets/debt in value and percentage breakdown by category - bar, dotted and area chart visualisation supported. • Smart Update - Submit update with natural language and have the system automatically process it. • Multi-Currency - Support for RM, USD, EUR, GBP, JPY, CAD, AUD and more. • Local-First - Works offline, internet connection optional. ## Perfect For - Building your first emergency fund - Tracking investment portfolio growth - Monitoring debt payoff progress - Understanding your complete financial picture - Anyone serious about building wealth ## Why Manual Entry? Unlike apps that connect to your bank, Accumula encourages mindful money management. By manually updating your net worth monthly, you stay actively engaged with your financial goals and see exactly where your money is going. **Privacy-first. Simple. Effective.** Start tracking your path to financial freedom today. ## EULA Please visit https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spnding makes it easy to track personal and shared expenses in one place. Scan receipts with AI, capture Apple Pay purchases, organize spending by group, split costs with friends or guests, and keep track of who owes what without messy notes or manual calculations. ---- KEY FEATURES ------ • Scan Receipts with AI Take a photo, upload a receipt, or import a supported document and let AI extract details such as merchant, items, prices, date, total, currency, and receipt number. • Smarter Expense Categorization Automatically categorize scanned receipts and Apple Pay expenses. You can also create your own custom categories, and Spnding can use them when categorizing expenses. • Track Apple Pay Purchases Use Apple Pay automation on iPhone to quickly capture purchases and add them to Spnding with less manual entry. • Track Shared & Personal Expenses Create groups for trips, meals, sports, housemates, monthly spending, personal expenses, or anything else you want to organize. • Split Expenses with Friends or Guests Split costs between group members or add guests who do not have a Spnding account. • Know Who Owes What Spnding automatically calculates balances so you can easily see who paid, who owes whom, and how much is outstanding. • Support for Currencies Around the World Track expenses in different currencies while keeping totals consistent with your group’s base currency. Recently used currencies are also easier to access. • Powerful Expense Search & Filters Find expenses quickly using merchant names, amounts, receipt or invoice numbers, dates, payers, and more. Sort and filter your expense list to find exactly what you need. • Keep Receipts & Invoices with Your Expenses Attach receipts or invoices to manually created or existing expenses for your records. You can replace attachments or rescan supported receipts with AI whenever needed. • Export Expenses to CSV Export your expenses to CSV and receive the file by email for reporting, tracking, or personal records. • Clear Spending Insights View spending summaries by category and better understand where your money goes. • Multiple Groups for Different Needs Keep expenses separated by trip, event, month, activity, household, or group of friends. • In-App Support Have a problem, question, or idea? Report bugs, request features, ask questions, or send feedback directly from the Support section in Spnding. Whether you are splitting dinner, tracking a holiday, managing housemate expenses, keeping receipts for your records, or simply understanding your own spending, Spnding helps keep everything organized and easy to manage. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Spnding App Terms of Service & Privacy Policy: https://www.spnding.app/terms-and-privacy