SpendMind vs Risp

Track expenses by just speaking. SpendMind uses AI to instantly extract the amount, category, and date from your voice — no typing, no fuss. Perfect for busy professionals, freelancers, and anyone serious about their finances. ——— WHY SPENDMIND? ——— Voice-Powered Logging - Just say "Spent $12 on coffee today" and SpendMind does the rest. AI extracts every detail instantly. Smart Categories & Insights - Automatically organise spending into categories like Food, Transport, Health, and more — with beautiful charts to see where your money goes. Recurring Expenses - Set up subscriptions and recurring bills once. SpendMind tracks them automatically every cycle. Home Screen Widget - Check your spending at a glance — right from your home screen, without opening the app. iCloud Sync - Your data syncs seamlessly across iPhone, iPad, and Mac. Always up-to-date, everywhere. Encrypted & Private - Your financial data is encrypted and stored securely. No account required. Export Anytime - Export your expenses as CSV for accounting, tax time, or your own analysis. ——— WHAT YOU CAN TRACK ——— • Daily Expenses — groceries, meals, coffee, transport • Bills & Utilities — electricity, water, internet, phone • Subscriptions — streaming, apps, memberships • Health & Fitness — gym, medicines, doctor visits • Business Expenses — equipment, coworking, travel • Recurring Payments — rent, insurance, loans ——— HOW IT WORKS ——— 1. Tap the microphone and speak your expense naturally 2. AI extracts the amount, category, and date 3. Review, confirm, and you're done — in seconds ——— FREE TRIAL & PREMIUM ——— SpendMind is free to try. Premium unlocks voice-powered expense entry, recurring automation, advanced analytics, and iCloud sync across all devices. Manage your subscription anytime in your Apple ID settings. Contact us: support@spendmind.co Privacy Policy: https://www.spendmind.co/privacy-policy Terms of Use: https://www.spendmind.co/terms-and-conditions Track smarter. Spend mindfully.

Risp helps you take control of your money with proven budgeting strategies, savings goals, and bite-sized financial education — all on your device, no account required. PROVEN BUDGETING STRATEGIES Pick the rule that fits your life: • 50/30/20 — the classic balance of needs, wants, and savings • 60/30/10 and 70/20/10 — for higher fixed costs • 80/20 — keep it simple, just save 20% • Pay Yourself First — save before you spend Switch any time. Your dashboard shows how each category is tracking against your plan. TRANSACTIONS WITHOUT FRICTION Log expenses, income, and savings in seconds. Set up recurring entries for rent, salary, subscriptions, and bills — Risp generates the future ones automatically. IMPORT YOUR BANK STATEMENT Add a month of movements from a PDF statement. Risp reads it on your device, sorts income, expenses, and categories with Apple Intelligence where available, and checks the total against the statement's balances. You choose what goes in. The file is never uploaded or kept. GOALS THAT STICK Create goals for trips, big purchases, or long-term plans. Add or withdraw funds as you go. Flag one as your emergency fund and track 3 to 12 months of essential expenses. LEARN AS YOU SAVE Built-in education covers 8 essential principles: Pay Yourself First, the Emergency Fund, the Rule of 72, the 4% Rule, Compound Interest, the Debt Avalanche, Diversification, and Automation. Three quick calculators put the formulas to work. 100% PRIVATE • No account • No sign-in • No tracking • No ads Your data stays on your device. Always. Start small. Build the habit. Watch it grow.