±BudgetAI vs Cheque

Log an expense by saying it. See what you own, what you owe, and what it all adds up to. ±BudgetAI is built around one idea: recording money should take a sentence, not a form. ADD AN EXPENSE IN A SENTENCE Type it or say it — "24.90 dinner at Sushi Bar yesterday" — and the amount, category, date and note are filled in for you. One tap to confirm. Speech is transcribed on your device. The recording never leaves your iPhone; only the words you chose to say are read. And the keypad is still there, one tap away, for anyone who prefers it. It gets faster the longer you use it. Every category you confirm or correct is remembered, so the same shop is recognised instantly next time — offline, and without asking anything. INSIGHTS THAT COME TO YOU No tab to open, no button to press, no waiting. Your dashboard tells you what is unusual for you this month: a shop five times your normal size, a category well above its own average, a subscription whose price quietly went up. Every line is tappable straight through to the transactions behind it. Only totals are used for this. Individual transactions never leave your device, and neither does your name. WEALTH: WHAT YOU OWN AND WHAT YOU OWE Assets — cars, property, equipment. Each carries its own depreciation or growth curve, so its value moves on its own rather than sitting at whatever you paid. Loans — record what you borrowed and how you are paying it back. See the whole schedule, what is still owed, the total you will have paid by the end, and what the credit actually costs you. Salary — set up recurring income once and it arrives in your wallet on the day it should. Loan repayments and salary are added for you, on the right dates. Net worth is your cash plus your assets minus what you still owe — and if you would rather not see debt in that number, one switch takes it out. WALLETS, SHARED OR NOT As many wallets as you need, in any currency, converted live into the one you think in. Share a wallet by email for a household, a trip or a couple's finances. Changes sync across every device. Transfers between wallets, at your own exchange rate when you want one. BUILT TO BE READ Cashflow, category breakdowns and net worth over time. More than 50 categories, plus your own. Face ID or a PIN on launch. Eleven languages. BUDGETAI PRO Unlimited wallets, your own custom categories, and shared wallets for the people you manage money with. Download ±BudgetAI and stop filling in forms.

Your mates don't need the app. Scan the bill, share one link, and everyone claims what they had from their own phone — any phone. Cheque-Mate does the maths and shows who owes who, down to the penny, service charge included. SNAP. SPLIT. SORTED. • Point your camera at any receipt — every item lands in the split, priced and ready • Everyone claims their own items, so nobody plays banker • Drag your share — whole items, halves, thirds, a splash of the wine • Fair-share maths keeps totals honest to the exact penny TRIPS & GROUPS One folder for the whole trip — the weekend away, the flat share, the padel crew. Drop in receipts as you go, mates claim whenever suits them, and running balances keep score bill by bill. • See what's still unclaimed at a glance • Push notifications when someone joins, adds a bill, or claims the last item • Home Screen widgets: your share, who's racked up what, and the full who-owes-who matrix • End-of-trip insights: Big Spender, the damage curve, spend by venue • Shareable summary cards in ten styles — from clean glass to a thermal receipt NO APP NEEDED FOR YOUR MATES Send an invite link and anyone joins from their browser — any phone, any laptop, anything with a screen. They claim their items and see exactly what they owe, penny-identical to the app. Only you need the app. QUICK SPLIT One-off dinner? No folder needed. Scan, everyone claims, sorted before the coats are on. Save your favourite splits for the regulars. SETTLE UP IN ONE TAP Who-Owes-Who collapses the whole trip into the fewest possible payments. Tap Pay and it deep-links straight into PayPal, Monzo, Revolut, Venmo or Cash App with the amount pre-filled — whichever your mate actually uses. Card details never touch Cheque-Mate. PRIVATE BY DESIGN No bank logins, no card numbers, no ads. Payments happen in the apps you already trust — Cheque-Mate just does the maths. FREE TO USE Scan and split free every month. Cheque-Mate Pro adds unlimited scans, collaborative splits, premium share styles and more — with a one-off Lifetime option if subscriptions aren't your thing. Next round's on you. The maths is on us.