Xpenzo vs Spendora

Take control of your finances with Xpenzo AI – Money Manager, your intelligent personal finance assistant that offers AI insights, smart expense tracking, custom budget planning, detailed reports, secure data storage, multi-category support, and a sleek, modern UI — helping you manage, analyse, and optimise your money effortlessly.

Spendora makes every spend count. Log an expense in seconds, set budgets that keep you on track, and split bills with friends without the awkward math. TRACK EXPENSES IN SECONDS • Add an expense with just an amount and a description • Spendora picks the category for you and gets smarter the more you use it • Create your own categories with any emoji and colour • Search and filter every expense by date, category or keyword BUDGETS THAT WORK • Set a monthly budget for each category • Get an alert before you go over • Budgets carry over to the new month automatically • See how much you can still spend each day SPLIT BILLS WITH FRIENDS • Create groups for trips, roommates, couples or anything else • Split equally, by exact amounts or by percentage • Several people can pay for one expense • See who owes whom at a glance and settle up in a tap • Invite friends with a link or QR code • Full activity history so everyone knows what changed • Optional: let everyone in the group edit shared expenses RECURRING EXPENSES • Set up rent, subscriptions and bills once • They are added automatically on the right day • Pause and resume any time REPORTS AND INSIGHTS • Monthly reports with category breakdowns and trends • A spending calendar that shows your busiest days • Compare this month with last month • Export your expenses as a PDF report or CSV file SMART NOTIFICATIONS • Know when a friend adds a shared expense or pays you back • Budget alerts and unusual-spending alerts • Tap a notification to go straight to what it's about BUILT FOR YOU • 11 currencies, including USD, EUR, GBP, INR, CAD and AUD • Light and dark mode • Lock the app with Face ID • Add expenses offline — they sync when you're back online • Start as a guest, or create a free account to sync across devices YOUR DATA, YOUR CONTROL Your financial data is private and is never sold. You can export it at any time, and delete your account and personal data directly from Settings. Questions or feedback? We'd love to hear from you at support@spendorapp.com.