Spendry vs TipChip

Plan your debt payoff with the snowball or avalanche method, see the date you'll be debt-free, and get a reminder before every card, bill and subscription is due. Spendry also tracks your income, spending, budgets and savings goals. No bank login, no data collected. EVERYDAY TRACKING • Add income and expenses in seconds, with clear categories • Paste a bank SMS and Spendry fills in the amount, merchant and date • Scan a receipt to add a purchase • Add a transaction to several days at once, and save the ones you use often as templates • Recurring transactions, multiple accounts and transfers between them BUDGETS AND GOALS • Set budgets and see at a glance how much is left • Save for a trip, a car or a rainy day and follow your progress • Share budgets and goals with your partner or family through iCloud DEBTS AND CARDS • Credit cards with statement and due dates, installments included • Loans, overdrafts and personal debts in one place • Your monthly payments, the interest you pay and the day you could be debt-free INVESTMENTS AND SUBSCRIPTIONS • Stocks, crypto, gold, silver and currencies, valued in your own currency • Prices update on their own, and only the symbols ever leave your phone • Every subscription with its renewal date and yearly cost, free trials included STATISTICS AND CASH FLOW • Charts that show where your money goes • A cash flow forecast for the days ahead, with a warning if your balance could go negative REMINDERS • Card statements, loan installments and subscriptions, each with a timely reminder • You decide how early reminders arrive AN ASSISTANT ON YOUR IPHONE • On iPhones that support Apple Intelligence, ask about your money in your own language • The assistant runs on your device MAKE IT YOURS • More than fifty themes, or a different one each time you open the app • Widgets for the Home Screen, Lock Screen and StandBy, and Siri shortcuts • The app is available in 44 languages PRIVATE BY DESIGN • No account or sign-up needed • Your records stay on your iPhone and in your own iCloud • Amounts are hidden in the app switcher SPENDRY PREMIUM Premium comes in two plans, Solo and Family. Both remove the limits on budgets, goals, debts, investments and subscriptions, and add live prices, advanced analytics, detailed reports, every widget and unlimited questions to the assistant. The Family plan also adds unlimited shared budgets, child profiles with allowances and a family report. Spendry is free to download. Premium is an optional subscription that renews automatically unless you cancel it. Terms of Use: https://spendryapp.com/terms-of-service Privacy Policy: https://spendryapp.com/privacy-policy

Split any check in about a minute — no math, no group chat, no awkward reminders. SCAN, DON'T TYPE Point your camera at the receipt. TipChip reads the items, prices, tax, and tip right on your phone — nothing is uploaded anywhere to do it. Bad angle or a blurry shot? Fix any line with two taps before you move on. EVERYONE PICKS THEIR OWN TIP This is the one thing every other bill-splitting app gets wrong: they force the whole table onto a single tip percentage. TipChip doesn't. One person tips 22%, another tips 18%, and nobody has to explain why in the group chat. Quick presets (18/20/22%) or a custom amount, per person, every time. ASSIGN ITEMS IN SECONDS One page per person: tap what they had, then move on to the next. Shared appetizer? Everyone who had a bite taps it on their own page, and TipChip splits that line evenly among just them. SETTLE UP, YOUR WAY When everyone's done, TipChip shows exactly who owes what — broken down by items, tax, and their own tip. Copy any person's share, or share it straight to whatever app you already pay each other with. Or send a clean summary card as an image. TIPCHIP NEVER TOUCHES YOUR MONEY No account to create, no balance to hold, no fees. TipChip works out the split; sending it is yours to do, in the app you already use — your card and bank details never pass through TipChip at all. WORKS OFFLINE The camera, the math, and the split all happen on your phone. No signal at the table? No problem — TipChip only needs a connection when you're ready to share. PAST CHECKS Every settled check is saved automatically so you can look back at what a night out actually cost — no extra "save" button, no extra step. TipChip is built for the moment the check hits the table: fast enough that nobody's phone is out for more than a minute, and fair enough that nobody's stuck footing someone else's tip.