Spendful vs Net

Spendful is a calm, simple way to notice your spending without budgets or bank connections. Log your spending as it happens, with support for multiple entries per day, optional categories, and the exact date and time of each purchase. Scan a receipt or share one directly from your camera roll or any other app and Spendful will fill in the details for you. Review gentle weekly and monthly summaries to understand your habits over time. A personal journal lets you capture your own thoughts alongside the numbers. AI-powered insights reflect on your spending in a tone that suits you: calm, playful, or direct. Your Spendful Companion is an AI assistant built into the app. Ask it to log an entry, look up what you spent last week, add a category, set a reminder, or just reflect on a purchase, all through natural conversation. You can also speak to your companion using voice. Spendful is designed for awareness, not judgment. There are no budgets, no goals, and no ads. Features: - Log multiple spending entries per day - Scan receipts or share them from any app to log automatically - Record the date and time of each purchase - Swipe between days, weeks, months, and years - Optional categories for common expenses - See entry counts per category and choose between comfortable and compact views - Star entries to keep important ones easy to find - Personal journal on weekly and monthly summaries - Journal reminders every week and month, tap to open your reflection instantly - AI-powered spending insights with tone options - AI Companion for logging and reflection, with voice support - Year in numbers, a full annual overview of your spending - Weekly and monthly summaries - Offline-first, no account required - No bank connections - Your data stays on your device. New users get a 7-day free trial Terms of Use: https://spendful.io/terms

This app helps you keep a long-running record of your net worth across your accounts. - No need to link your bank - No need to sync to the cloud - No need to categorize transactions - No need to share anything with anyone Just open the app, type today's balance for any account, and the app handles the rest. You can add as many accounts as you want — checking, brokerage, retirement, anything with a number on it. Each balance is stored as a dated snapshot, so you can log as often or as little as you like. A bar chart on the Net Worth tab shows your total across the last three months. Each account also has its own chart of balance over time on its detail page. Everything stays on your device. Nothing is sent anywhere.