wallyme vs Creddo.app

Log your spending in seconds, even without opening the app. Type “uber 45” or say it, and wallyme puts it in the right category. If you pay by tapping your iPhone, the expense logs itself. LOG WITHOUT EFFORT • Type or say it: “coffee 4”, “taxi 12”, “groceries 85”. The order doesn’t matter (“4 coffee” works too) and it sorts itself. • If something is missing, it asks: type just “50” and it asks what it was for; type just “uber” and it asks how much. • Several at once: “uber 45, coffee 8”. You see the list and confirm it. • Voice: you speak, check what it understood and confirm. Needs an internet connection. • No internet? You can still type expenses. They sync when you’re back online. CONTACTLESS PAYMENTS • Tap your iPhone to pay and the expense logs itself, with merchant, amount and category. Set it up once with the Shortcuts app (iOS 17 or later). It needs an internet connection when you pay. • You get a notification. Press and hold it to change the category or undo the expense, without opening the app. • Prefer to approve each payment? Turn on the option to confirm before logging, and the notification lets you choose “Confirm” or “Skip”. LOG WITHOUT OPENING THE APP • A button on your Lock Screen or in Control Center: tap it, type, done (iOS 18 or later). Add the “Quick Log” shortcut as a control once. • A Home Screen widget (iOS 17 or later): see what you’ve spent this period and how your budget is doing. On the medium size, log your frequent expenses with one tap. • What you log this way is added to your list the next time you open wallyme. • Settings › Log faster walks you through each setup. YOUR CARDS, NO SURPRISES • Cut-off and payment dates for each card, with a reminder on the cut-off day and before each payment. Dates are estimates: confirm them on your statement. • Installment purchases: log the purchase once and see what you pay each month and what’s coming in the months ahead. • Add your card’s limit and see what’s still available this cycle and how much you’ve spent. • Cash or card: choose how you paid for each expense. • Recurring payments: mark a purchase as recurring and it logs itself every day, week, 2 weeks or month. TRAVEL AND MULTIPLE CURRENCIES • 63 currencies. Type “ramen 1500 JPY” and wallyme converts it to your main currency at a reference exchange rate, and you keep the original amount. • When you’re in another country, wallyme can notice and offer to switch currency. You can also change it yourself in Settings › Language & region. • Trips and events with their own budget: set the dates and the expenses from those days show up on their own, even ones you already logged. • Your numbers, your way: choose your thousands and decimal separators. BUDGETS AND STATS • Budgets for the whole period and per category (monthly, monthly from the day you choose, weekly, every 2 weeks or twice a month), with a heads-up when you get close to the limit. • Stats: what you’ve spent so far, where it went and how your last week looked. • Expenses and income in one place. • Fix the category of any expense from the list. • Light or dark mode, or the same as your phone. NO BANK CONNECTION We never ask for your bank login or password. You decide what you log. In 11 languages: English, Spanish, Portuguese, French, Italian, German, Japanese, Chinese, Korean, Arabic and Hebrew. SUBSCRIPTION To use wallyme without limits you need a monthly or yearly subscription. The price in your currency is shown in the app before you buy. The subscription renews automatically unless you cancel it at least 24 hours before the current period ends. Payment is charged to your Apple Account when you confirm the purchase, and you can manage or cancel it in your account settings. Terms of Use: https://api.wallyme.com/terms.html Privacy Policy: https://api.wallyme.com/privacy.html

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