Spency vs Tip & Shift Tracker

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/

Built for anyone working more than one job. MULTIPLE JOBS Add as many jobs as you work. Each gets its own color, position, hourly rate, start date and location. Worked two jobs in one day? Log both — they stay separate everywhere in the app, and saving one no longer locks the other. TIPS, TIP-OUTS AND TAKE-HOME Enter your hours, the tips you collected and what you tipped out. The app does the math: hourly pay + tips − tip out = your real take-home. EARNINGS THAT ADD UP See what you made this week, this month and year to date — broken out per job and combined, with tips and tip-outs shown separately. A CALENDAR YOU CAN READ AT A GLANCE Green for worked, blue for pass, orange for refusal, gray for off, purple for FMLA, red for call out. Multi-job days show a bar per job. SENIORITY WHERE IT BELONGS Seniority lists moved into the Contacts tab, under Must Know Contacts, and are tracked per job. NEW HERE? START WITH THE WALKTHROUGH A visual tutorial in the More tab walks you through logging a shift, reading the calendar and tracking earnings. ALSO IN THIS UPDATE • Exporting now opens the share sheet, so you can save to Files, email it or send it anywhere • CSV export adds hourly rate, hourly pay, tip out and take-home columns for tax season • Overtime is not calculated — rates vary too much between employers Everything stays on your device. Nothing is uploaded. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/