SpendMinder vs KeepTabs

SpendMinder – A Budget That Matches How You Get Paid SpendMinder is the fast, modern budgeting app designed around your real pay cycle. Instead of forcing you into monthly calendars, SpendMinder builds a budget based on your actual payday — built from dates you give us — giving you clearer limits, accurate pacing, and a realistic view of your money. If you want to control day-to-day spending, stay ahead of bills, pay off debt faster or save for goals, SpendMinder keeps everything organised in one clean place. Key features • Budgeting based on your real pay schedule Track spending against your actual payday. See daily spending limits, pacing, remaining balance and whether you’ll finish the cycle on budget. • Fast, simple expense tracking Add expenses in seconds with a clean, quick interface. Categorise purchases, review spending patterns and keep on top of your money easily. • Clear insights that show where your money goes View your top spending categories, peak spending days, recurring payments and more — without spreadsheets or complicated charts. • Fixed expenses and monthly bills Add rent, utilities, subscriptions and other repeating costs to see your true spendable amount each cycle. • Debt tracking with payoff tools Track balances, minimums and due dates. Use Snowball or Avalanche payoff methods and see your debt totals fall over time. • Savings goals with progress tracking Set goals, add contributions and see how close you are to completing each one. • Clean, modern, ad-free design We are committed to never display you a single ad! We value your time, privacy, that's why all data stays only on your phone, and not on our servers! Why people choose SpendMinder • Built for any financial cycle you give us! • Ideal for people who overspend between paydays • Helps you stay consistent with accurate pacing and daily limits • Great for users who want budgeting, debt tracking and savings in one app • Designed for clarity, speed and ease — no spreadsheets required Pro Features Unlock Pro for unlimited history, full insights, savings goals, debt tracking and export tools. Your data stays private and securely stored on your device. SpendMinder helps you stay in control, stay consistent and stay confident with your money. Start your first pay cycle today. Terms of Use (EULA) Apple’s Standard End User License Agreement applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Know what your bills and subscriptions actually cost. Most people underestimate what leaves their account each month. KeepTabs adds it all up — streaming, broadband, insurance, the gym, that trial you meant to cancel — and shows you one honest number. See the real total Every bill and subscription in one place, with the true annual cost and what that works out at per day, week and month. Switch between monthly and yearly on any screen. Never get caught by a trial again Free trials are where the money goes quietly. KeepTabs tracks when each one ends, warns you early and again on the day, and shows exactly what you'll be charged if you do nothing. It can't cancel for you — no app can — but it makes sure you know in time. Know what's left to spend Type in what's actually in your account and KeepTabs works out what's safe to spend before your next payday, after everything still due comes out. Per day and per week, recalculating as the days pass — on the home screen, in a widget, and on your watch. Budget by payday, not by calendar month Tell KeepTabs when you're paid — daily, weekly, four-weekly or monthly, from more than one source if you have them — and see exactly what's still due before your next payday. Most people budget from payday to payday, not from the 1st to the 31st. See what it's really cost you Tell KeepTabs when you signed up and it adds up everything you've paid since — at the price it was at the time. Record a price rise and it remembers: "up from £5.99, three rises since you joined". Most people have no idea. Still worth it? KeepTabs asks you to look again at things you've been paying for a while, so something you stopped using doesn't quietly renew for another year. See what's coming A calendar of every payment, and a timeline of the months ahead. Annual renewals show up as the spikes they are, instead of hiding inside a monthly average. On your home screen and your wrist Widgets for the home screen, lock screen and StandBy. An Apple Watch app and complication showing your total, what's left to spend, and what's due next. Contracts and price rises Record when a minimum term ends and get a reminder a month ahead, while there's still time to switch. Know a price is going up? Enter it, and every forecast accounts for it. Private by design No account. No sign-up. No analytics. No ads. Your data stays on your device and syncs through your own iCloud — the developer can't see it. KeepTabs never asks for your bank details. Free Track up to five bills or subscriptions, with the full calendar, pay-period tracking, what's left to spend, trial tracking, price history, renewal reminders, widgets, the Apple Watch app, iCloud sync, currency conversion and Siri shortcuts included. KeepTabs Pro • Unlimited bills and subscriptions • Insights — where your money concentrates, and the month that hurts most • 12-month forecast, including price rises you've recorded • What each of the next few pay periods will cost • Overlap detection — spot two services doing the same job • Split household costs, so a shared bill only counts your share • Money saved — what cancelling has actually won back • Year in Review — your subscription year, shareable • Spend limits per category • Tags and custom categories • CSV export • Seven themes, plus create your own Available as a yearly subscription with a free trial, or a one-off lifetime purchase. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/