ZappExpense vs Spendiqo

ZappExpense is the envelope budgeting app that makes managing money simple, visual, and completely private. No account. No ads. Works 100% offline. Split your income into envelopes — groceries, rent, savings, fun — and always know exactly what's safe to spend. It's the time-tested method that finally makes budgeting click. BUDGET BY ENVELOPE • Create envelopes for spending, bills, savings goals, and sinking funds • Choose daily, weekly, monthly, or yearly budgets • Balances update the instant you spend • Roll unused money forward or start each period fresh • Move money between envelopes in a tap TRACK EVERY TRANSACTION • Log expenses in seconds • Record income and split it across envelopes • Mark recurring bills so they post automatically when due — never miss one • Full, searchable transaction history SEE WHERE YOUR MONEY GOES • Clear charts and category breakdowns • Spot trends and spending patterns over time • Decisions based on real numbers, not guesswork BUILD BETTER HABITS • Get a Financial Wellness Score that reflects your real habits • Earn achievements and keep your streak alive • Budgeting that's genuinely satisfying to use PRIVATE BY DESIGN • Works fully offline — no sign-up, no cloud • Lock the app with Face ID • Export to CSV or JSON anytime; delete everything in one tap • We never sell your data BEAUTIFUL & EASY • Clean, modern design with light and dark modes • Warm, friendly colors — built for real people, not accountants PERFECT FOR • Anyone tired of wondering where their money went • Families running a household budget • Savers working toward a specific goal • Breaking the paycheck-to-paycheck cycle Your money, your rules. Download ZappExpense and start budgeting with confidence. Privacy Policy: https://zappexpense.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Spendiqo tracks your spending, budgets and investments in one calm, private place — built for how money actually moves, not how spreadsheets think it should. LOGS ITSELF FROM YOUR BANK TEXTS Spendiqo reads the bank SMS your phone already gets — even while it's locked — and quietly logs the transaction, picks a category, and skips the promotional spam. No bank login. No screen-scraping. The message never leaves your device. • Works locked, via a one-time Shortcuts setup • Smart spam filter you can teach • Auto-matches the right card or account EVERY CURRENCY, EVERY KIND OF HOLDING Fixed deposits, gold, stocks, crypto, mutual funds — tracked with live prices, real FX rates, and proper XIRR returns. Money in three currencies? Spendiqo converts everything to the one you think in, automatically. • Live prices & daily FX refresh • True money-weighted (XIRR) returns • Price-drop & target-reached alerts • Net worth history — see how your wealth has moved over time • Debt repayment strategy — pick Avalanche or Snowball and see exactly when you'll be debt-free NUDGES YOU BEFORE YOU OVERSPEND Set a monthly budget and Spendiqo tells you what's safe to spend today — not just what you've already spent. Bill reminders, price-drop alerts and maturity notices arrive exactly when they're useful, never as noise. • "Safe to spend today" on the home screen • Bill & fixed-deposit maturity reminders • Home Screen, Lock Screen & StandBy widgets, Live Activities AND THE REST OF THE TOOLKIT • Split expenses — add a "Split with" name to any expense, track who owes you, and settle in one tap • Merchant analytics — see your top payees ranked by spend with a drill-down for every transaction • Income source breakdown — know exactly where your money comes from, this month and over time • Search any expense from iOS Spotlight & Siri Suggestions • Multiple accounts — cash, cards and wallets, auto-matched by card digits • Custom categories & merchant rules Spendiqo remembers • Savings goals with real forecasts, not just totals • A running activity timeline of every import, edit and change • Undo accidental deletes before they're gone PRIVATE BY DESIGN, NOT BY POLICY No bank API, no third-party data broker, no account required to use the app. Everything lives in your own iCloud, encrypted the same way your Photos are. The only thing we ever see is anonymous, aggregate product analytics — never a transaction, a balance, or anything that could identify you. Export an encrypted backup any time and restore it on any device, no account needed. FREE VS. SPENDIQO PRO Free covers daily tracking, forever: unlimited manual expense entry, investments with live prices, budgets, goals, widgets, and iCloud sync across your devices. Spendiqo Pro adds the automation layer: bank-SMS auto-import, custom category rules, message templates, the smart spam filter, and encrypted backup & restore. Pro is $1.99/month or $14.99/year, with a 7-day free trial — cancel anytime in Settings. ONE DEVICE, OR ALL OF THEM iPhone and iPad on iOS 26+, and Mac on macOS 15+ — one shared iCloud sync, so a transaction added on your phone shows up on your Mac instantly. Built by one developer who wanted a tracker that respects your data as much as your budget. No investors, no growth targets, no dark patterns — just an app that has to earn your subscription by being useful. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/