Kapito vs Spendiqo

YOUR DATA. YOUR DEVICE. YOUR WEALTH. See your complete financial picture with total privacy. Kapito is the effortlessly simple way to track your net worth. Your data lives on your device, syncs through your private iCloud, and stays completely under your control. Always. COMPLETE CLARITY You have assets everywhere - savings, investments, property, crypto, retirement accounts. And debts too - mortgages, loans, credit cards. Kapito brings it all together into one clear number: your true net worth. Updated when you want. Private as it should be. WHAT YOU CAN TRACK EVERY ASSET TYPE Bank accounts, Savings, Investments, Retirement accounts, Crypto, Real estate, Vehicles, Collectibles - anything with value EVERY LIABILITY Credit cards, Student loans, Mortgages, Auto loans, Personal debt INVESTMENT HOLDINGS Add your stock and crypto holdings. Kapito fetches current market prices automatically - your portfolio value stays current. POWERFUL FEATURES TRUE NET WORTH Assets minus liabilities. The number that actually matters. Updated whenever you are. BEAUTIFUL CHARTS Watch your net worth grow over weeks, months, years, and decades. See exactly how far you've come. SET GOALS & MILESTONES Track your path to $100K, $500K, or your first million. Celebrate every milestone on your journey. SMART INSIGHTS Free: - Net Worth Chart - Track your growth over time - Asset Allocation - Understand your diversification - Solvency Matrix - See what is truly yours after debt - Liquidity Spectrum - Know how quickly you can access cash Pro - Expert Analytics: - Capital Persistence - How long your wealth can sustain you - Velocity Vector - Your wealth growth momentum and trajectory - Global Exposure - Geographic distribution of your assets - Concentration Map - Risk analysis of asset concentration - Stress Matrix - How market downturns would affect you DESIGNED FOR CLARITY Minimalist design. Every screen is clean, focused, and purposeful. - Bold, clear typography - Elegant data visualizations - Dark & light modes - Home screen widgets - Works fully offline PRIVATE BY DESIGN Your financial data deserves protection. - Data stored on YOUR device - Syncs via YOUR private iCloud - Face ID & Touch ID protection - Get started instantly - Complete peace of mind FREE VS PRO FREE: - 5 accounts - Net worth dashboard - Net Worth Chart - track your growth - Asset Allocation chart - Solvency Matrix - see what is truly yours - Liquidity Spectrum - know your accessible cash - Up to 3 financial goals - iCloud sync across devices - Home screen widgets PRO - Unlock Expert Analytics: - Everything in Free - Multi-currency accounts - Unlimited financial goals - Real-time stock & crypto price sync - Capital Persistence - how long your wealth sustains you - Velocity Vector - your growth momentum - Global Exposure - geographic asset distribution - Concentration Map - risk analysis - Stress Matrix - market downturn simulation - More accent themes - All future Pro features Start free. Upgrade when your wealth grows. YOUR WEALTH JOURNEY STARTS HERE Download Kapito and see your true net worth in under 5 minutes. Questions? hello@kapito.app Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kapito.app/privacy

Spendiqo tracks your spending, budgets and investments in one calm, private place — built for how money actually moves, not how spreadsheets think it should. LOGS ITSELF FROM YOUR BANK TEXTS Spendiqo reads the bank SMS your phone already gets — even while it's locked — and quietly logs the transaction, picks a category, and skips the promotional spam. No bank login. No screen-scraping. The message never leaves your device. • Works locked, via a one-time Shortcuts setup • Smart spam filter you can teach • Auto-matches the right card or account EVERY CURRENCY, EVERY KIND OF HOLDING Fixed deposits, gold, stocks, crypto, mutual funds — tracked with live prices, real FX rates, and proper XIRR returns. Money in three currencies? Spendiqo converts everything to the one you think in, automatically. • Live prices & daily FX refresh • True money-weighted (XIRR) returns • Price-drop & target-reached alerts • Net worth history — see how your wealth has moved over time • Debt repayment strategy — pick Avalanche or Snowball and see exactly when you'll be debt-free NUDGES YOU BEFORE YOU OVERSPEND Set a monthly budget and Spendiqo tells you what's safe to spend today — not just what you've already spent. Bill reminders, price-drop alerts and maturity notices arrive exactly when they're useful, never as noise. • "Safe to spend today" on the home screen • Bill & fixed-deposit maturity reminders • Home Screen, Lock Screen & StandBy widgets, Live Activities AND THE REST OF THE TOOLKIT • Split expenses — add a "Split with" name to any expense, track who owes you, and settle in one tap • Merchant analytics — see your top payees ranked by spend with a drill-down for every transaction • Income source breakdown — know exactly where your money comes from, this month and over time • Search any expense from iOS Spotlight & Siri Suggestions • Multiple accounts — cash, cards and wallets, auto-matched by card digits • Custom categories & merchant rules Spendiqo remembers • Savings goals with real forecasts, not just totals • A running activity timeline of every import, edit and change • Undo accidental deletes before they're gone PRIVATE BY DESIGN, NOT BY POLICY No bank API, no third-party data broker, no account required to use the app. Everything lives in your own iCloud, encrypted the same way your Photos are. The only thing we ever see is anonymous, aggregate product analytics — never a transaction, a balance, or anything that could identify you. Export an encrypted backup any time and restore it on any device, no account needed. FREE VS. SPENDIQO PRO Free covers daily tracking, forever: unlimited manual expense entry, investments with live prices, budgets, goals, widgets, and iCloud sync across your devices. Spendiqo Pro adds the automation layer: bank-SMS auto-import, custom category rules, message templates, the smart spam filter, and encrypted backup & restore. Pro is $1.99/month or $14.99/year, with a 7-day free trial — cancel anytime in Settings. ONE DEVICE, OR ALL OF THEM iPhone and iPad on iOS 26+, and Mac on macOS 15+ — one shared iCloud sync, so a transaction added on your phone shows up on your Mac instantly. Built by one developer who wanted a tracker that respects your data as much as your budget. No investors, no growth targets, no dark patterns — just an app that has to earn your subscription by being useful. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/