Finl vs Sprig Money

Finl is a minimalist expense tracker with an intuitive, clutter-free interface. Track expenses manually or set budgets to monitor spending across multiple currencies with live exchange rates. Smart categorization, charts, and insights help you understand your finances at a glance. With Finl Pro, unlock AI-powered features including receipt scanning, voice entry, and price detection. Privacy-first design, no ads, no complexity—just clean expense tracking.

Get paid. Enter the number. Sprig splits it before you have time to talk yourself out of saving any of it. No budgeting app to maintain. No transactions to categorize. No bank account to link. Sprig does one thing: the moment your paycheck lands, it divides that amount into four buckets using a simple percentage rule, so the decision is already made before you open your other apps. HOW IT WORKS Pick a rule. Default is 20/10/60/10 — Growth, Stability, Essentials, Enjoyment. Prefer 50/30/20 or 70/20/10? They're built in. Or set your own percentages and make it yours. Enter your paycheck. Type the number. See four amounts instantly. Save it. Done in seconds, not sessions. Working two jobs? Add another check and Sprig splits the combined total the same way. FOUR SCREENS, FOUR JOBS Split — Enter what you were paid. See exactly what goes to Growth, Stability, Essentials, and Enjoyment. Save the paycheck and move on with your day. Grow — Watch what your Growth bucket becomes over time. Scrub out to any horizon and see money put in versus interest earned, side by side. It's a projection, not a promise. Fit — Tell Sprig your real monthly bills. It checks them against what your rule allots for essentials and gives you a plain answer: it fits, or it's tight. No spreadsheet required. History — Every payday you've saved, stacked in one place. Watch the total climb, check by check. WHO THIS IS FOR You get paid weekly or biweekly. You don't want to learn a budgeting system, track every purchase, or link your bank account to an app. You want the decision made in the time it takes to read a text message, then you want to get on with your life. That's what Sprig does — nothing more, nothing less. PRIVATE BY DESIGN Everything lives on your device. No account. No sign-up. No bank linking. No transaction import. Your paycheck numbers never leave your phone. Sprig is free to use, with ads. A one-time purchase removes them for good — no subscription. A NOTE ON THE NUMBERS Grow shows estimates based on the rate and contributions you enter. Real returns vary and aren't guaranteed. Nothing in this app is financial advice — it's a rough picture of what steady saving can look like over time, so you can decide what to do next. Get paid. Open Sprig. Split it. Get back to your life.