Spency vs SplitHappens Pro

No bank login. Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time. Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday. Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds. HOW IT WORKS Add your income Track salary, freelance payments, deposits, and recurring income. Organize bills and expenses Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments. Set a daily spending limit Spency uses your daily allowance to forecast your balance automatically. SEE YOUR MONEY AHEAD Projected balance for every day on the calendar Upcoming bills and how they affect your budget Monthly totals for income, expenses, and net balance Tight days flagged early Daily spending allowance always visible Simple charts for cash flow, savings, and spending insights WHO IT IS FOR Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday. WHY SPENCY Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust. SPENCY PLUS Budget projection and cash flow forecasts for 1, 3, and 6 months Insight charts with recurring and one time expense breakdowns Access to over 12 months of budget history The free version includes your most recent 3 months of data. PRIVACY FIRST No bank connection No account required Offline budget tracking Your data stays on your device, with optional iCloud sync Delete everything anytime Set it up once. Check it in seconds. Stay in control of your budget with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Splitting the bill shouldn't kill the vibe. SplitHappens gives you three powerful split modes, group expense tracking, and one-tap settlements — so you can get back to what matters. THREE WAYS TO SPLIT — INSTANTLY Even split? Done. Custom amounts? Easy. Restaurant bill with individual orders, tax, and tip? SplitHappens handles it all. Enter the total, pick your mode, and watch every person's share calculated to the penny. Dine Out Mode is built for real restaurant bills. Enter each person's subtotal and the app automatically distributes tax and tip proportionally — no more napkin math. Need to add up receipts? Type math right into the amount field. TRACK GROUP SPENDING OVER TIME Create expense groups for trips, apartments, events, or anything shared. Every expense is logged with who paid, who owes, and how much. Running balances update in real time so there's never a question about where things stand. SETTLE UP WITH FEWER PAYMENTS When it's time to square up, toggle debt simplification and SplitHappens reduces a web of IOUs into the fewest possible transactions. Instead of five people sending money in circles, you get two clean payments. Share the settlement breakdown via Messages or any app. SQUADS — YOUR GO-TO GROUPS, SAVED Save your roommates, your brunch crew, your travel squad. Next time you split a bill, load a Squad in one tap instead of adding names all over again. Add guests on the fly when someone new joins. DESIGNED FOR REAL LIFE - Split evenly, by custom amount, or restaurant-style with tax & tip - Built-in calculator for quick math right inside the amount field - Auto-emoji matching — type "pizza" and watch the pizza emoji appear - Smart remainder distribution so every cent is accounted for - Detailed per-expense breakdowns so everyone sees the math - Organize expenses into groups for trips, roommates, or events - Debt simplification reduces payments to the minimum - Interactive settlement graph visualization - Share settlements via Messages, WhatsApp, or any app - Customizable currency symbol, default tax & tip rates - Works 100% offline — no WiFi, no problem - Export & import your data — you own it, always - No account, no sign-up, no sync headaches - Your data stays on your device, private by default NO STRINGS ATTACHED No subscriptions. No paywalls hiding core features. No forced account creation. We don't collect your data — everything stays on your device and you own it completely. Export and import your data anytime from Settings. SplitHappens works the moment you open it. Optionally support the developer and remove ads with a one-time purchase. Whether you're splitting rent with roommates, settling a group dinner, or tracking a week-long trip with friends — SplitHappens keeps money simple so friendships stay easy. Never argue over a bill again.