Qalta AI vs Spend

Track money at the speed of speech. Qalta is a fast money tracker for people who hate typing. Say a purchase out loud, scan a receipt, or add it manually — in seconds, not minutes. WHY QALTA? • Voice logging — Say "Spent $15 on coffee," "Got paid $2,000," or "Netflix $10 every month." One sentence can hold several transactions. Qalta fills in the amount, category, account, and recurring schedule. • Receipt scanning — Snap a photo, or share a PDF from another app. Qalta reads a receipt, bill, or bank statement and saves it as one transaction or as separate line items. • Shared spaces — Keep a private ledger on this iPhone, or share one with a partner or family. A shared space syncs across your devices and with the people you invite. • Bring your history — Import a CSV from YNAB, Monarch, Copilot, Rocket Money, Spendee, Monefy, ZenMoney, CoinKeeper, and other apps. Past spending comes with you. • Multi-currency accounts — Create accounts in any currency. Live exchange rates help you see your total balance at a glance — ideal for travel and remote work. • Built for iPhone — Home Screen widget, Siri Shortcuts, Back Tap, Action Button, and Apple Pay let you log spending without opening the app. On the latest iOS, a bank notification can do it too. MORE YOU'LL USE EVERY DAY • Budgets — Set limits by category or account and track what's left. • Goals — Link a savings goal to an account and watch the balance close in. • Debts — Track what you owe and what you're owed, then settle when it's paid. • Insights — Spending trends, savings, subscription totals, and patterns that are easy to miss in a spreadsheet. • Analytics — Category breakdowns and a cash-flow view of where money comes from and where it goes. • Recurring transactions — Subscriptions, bills, and income, set manually or by voice. • Reminders — A nudge to log the day, and a heads-up the day before a payment. • Search & filters — Find any transaction in seconds. • CSV export — Your data, your spreadsheet. • Privacy first — A private space stays on your device. Optional iCloud backup. A shared space is uploaded only when you choose to share it. No ads. Start with the free plan. Upgrade to Qalta Pro for unlimited transactions, voice, and scans — and for shared spaces. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://qalta.app/privacy-policy

Know what is left. Spend combines quick expense logging with zero-based budgeting for iPhone and iPad. Enter the item and amount, choose a category, and you are done. Spend turns those quick entries into a clear monthly total, spending chart, and recent activity feed. Use the included Log Expense action in Apple Shortcuts after a Wallet Transaction. The automation can prefill the amount; Spend asks what you bought and shows your editable category list, then presents every detail for confirmation before saving. Or create a Quick Expense shortcut for guided entry at any time. Features: - Bright blue design with Light, Dark, and System appearance - Optional profile name and paycheck setup in Settings - Recurring pay, next-paycheck adjustments, and separate one-time planned income - Fast native expense capture - Zero-based budgeting that gives every available dollar a category - Scheduled paychecks or a manual checking-account starting balance - Move Money transfers between categories for the current month - Category balances that decrease as expenses are logged - Guided first-launch onboarding with private iCloud backup - Apple Shortcuts Log Expense action with confirmation - Apple Pay Transaction automation setup guide - Quick Expense shortcut for Control Center, Back Tap, Home Screen, or Action button - Editable spending categories shared with Shortcuts - Optional on-device category suggestions from matching past items - Sunday or Monday week start - Period, category, payment method, and item filters - Filtered totals and charts - Category insights and search - CSV export - Offline storage with private iCloud backup and restore - No separate Spend sign-in, ads, analytics, or tracking - Category budgets that subtract each expense from money left - Category targets and money remaining - Multiple local spending accounts such as Personal, Joint, and Business - Home Screen and Lock Screen widgets - 12-month spending trends - Editable save-and-invest scenarios with contributions and hypothetical growth shown separately Spend does not connect to your bank or read your card number or Wallet history. Apple Pay prefill works only through a personal automation you configure in Apple Shortcuts. Future-impact scenarios are illustrations based on editable assumptions, not forecasts or financial advice. All features are free to use, with no subscription or payment required and no trial deadline. Existing purchases remain recognised. Existing monthly subscribers can cancel through Apple and continue using Spend for free. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/