ZappExpense vs Tend Budget

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/

Tend is a calm way to see your money. You type in what you earn and what you spend. Tend turns it into a clear monthly picture: where your money went, how much you kept, and whether you are on track. No spreadsheets, no jargon, no guilt. NO BANK CONNECTION, EVER Tend never asks for your bank login, never sees your card details and cannot move your money. It has no way to. You enter your own figures, and they stay yours. MADE IN MOROCCO, FOR MOROCCO Dirhams come first, and so does Arabic — with proper right-to-left layout, not an afterthought. Euros, dollars and other currencies are there when you need them. WHAT YOU CAN DO • Log income and spending in seconds, and see your monthly summary, savings rate and category breakdown update instantly • Set gentle budgets and catch overspending before it catches you • Save toward real goals with your own colours and icons, and watch the ring fill • Build an investing habit: pick an amount and a day, keep a monthly streak, and project your net worth forward • Track money you have lent or borrowed, record repayments, and get a quiet reminder before each due date • Run a daret (tontine) — who has taken the pot, whose turn is next, and what you owe this round • Calculate your zakat on savings and gold, using the nisab • Keep going offline — on the metro, or with no signal — and everything syncs when you are back BUILT TO CALM YOU DOWN Most money apps are loud. Tend is deliberately quiet: no streaks shouting at you, no red alarms over an ordinary week, no notification you did not ask for. Money is stressful enough. TRULY PRIVATE No card data. Nothing sold. Your figures are never used to target advertising. Export everything to CSV or delete your account permanently, yourself, from Settings — no email, no waiting. Lock the app behind Face ID and turn on two-factor authentication if you want another layer. FREE, AND GENUINELY USEFUL The free plan is not a trial. It includes 15 entries a day, 3 savings goals, 6 budgets, 6 custom categories, monthly reports and every core feature above. It is supported by advertising. TEND PLUS An optional subscription that lifts the limits and adds the deeper tools: • Unlimited entries, goals, budgets and categories • Forecasts and deeper reports • Household sharing — a combined monthly view with someone you share money with, showing totals only, never each other's individual entries • Custom themes • No ads Tend Plus is an auto-renewing subscription. Your Apple Account is charged at confirmation and renews automatically unless cancelled at least 24 hours before the period ends. Manage or cancel it any time in your Apple Account settings. IMPORTANT Tend is an educational tool for understanding your own money. It is not a bank, a broker, a payment service or a regulated financial institution, and it gives no financial, investment, tax or legal advice. Terms of Use: https://tendbudget.com/terms Privacy Policy: https://tendbudget.com/privacy