SpendLow vs Credit Buddy

Speak to the app and it is logged. Just say it out loud, SpendLow writes it down and save it indefinitely! Most budget apps make you do the work of an accountant. Type the amount. Pick a category. Do the math. Keep the receipt somewhere. Nobody keeps that up. SpendLow does it for you. TALK YOUR EXPENSES, DO NOT TYPE THEM Say "twenty two dollars at the grocery store" and it is saved. No typing, no number pad, no menus. Log a purchase with your voice while you walk out of the store, drive home, or wait in line. If you hate entering expenses by hand, this is the app. SCAN A RECEIPT WITH YOUR CAMERA Take a photo of any receipt, bill, invoice, or pay stub and SpendLow reads the total, the date, and the store, then files it in the right category. You can also scan a screenshot of an online order or a payment confirmation. One picture and you are done. KEEP YOUR RECEIPTS FOR TAXES Every receipt you scan can be saved forever in the app. When tax time comes, or the IRS asks, or you need to return something, claim a warranty, get reimbursed, or write off a business expense, the proof is already saved and easy to find. No shoebox of paper. No digging through your camera roll in April. KNOW WHAT YOU CAN SPEND TODAY One simple number tells you how much is safe to spend today. It uses the money you actually have, the bills that are still coming, and what you are saving. Tap it to see exactly how the number was worked out. No guessing. FIND SUBSCRIPTIONS YOU FORGOT ABOUT SpendLow watches for charges that keep coming back and shows you the subscriptions and bills draining your account every month. Most people find money they did not know they were spending. NO BANK LOGIN REQUIRED You do not have to connect your bank account or hand over your bank password. Talk, scan, or tap to add spending. Your money stays your business. ALSO INSIDE Envelope budgeting for food, gas, fun, and bills, with no guilt when you go over Savings goals for a trip, a car, an emergency fund, or anything you are working toward Debt payoff plan with debt snowball or highest interest first, and the date you become debt free Net worth in one simple view Share one budget with your partner, husband, wife, or roommate, each with your own login Ask questions about your own spending and get a straight answer Spending reports by week or month, plus export to a spreadsheet for taxes or your accountant Home screen widget so your number is there before you spend Works in 13 currencies and 8 languages MADE FOR PEOPLE WHO HATE NUMBERS No spreadsheets. No math. No lectures. Miss a few days and nothing falls apart. There is always an undo button, and you can start fresh any time. Simple enough for a busy brain, including if you have ADHD, without making a big deal about it. PRIVACY Your money data is yours. No ads. We never sell your information. SpendLow Pro unlocks everything. The yearly plan comes with a 7 day free trial. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the current period ends, and you can manage or cancel anytime in your Apple ID settings. Terms of Use: https://spendlow.app/terms Privacy Policy: https://spendlow.app/privacy

Premium credit cards come with a stack of statement credits: a monthly ride credit, a quarterly dining credit, a yearly airline fee credit, and more. They're easy to forget, and every one you miss makes the annual fee harder to justify. Credit Buddy keeps track of them for you. Pick your cards and every credit, reset date and fee date fills in on its own. No bank login, nothing to type. TRACKER Opens with a short brief of what's worth using this week and how to use it. Every credit shows what's left this month, quarter or year, including partial amounts. Credits that need enrollment remind you until you've used them once. CARDS See how much of each annual fee you've earned back this card year, what's still left to claim, and how many days until the fee posts again. Open a card for its recovery dashboard and a timeline for every credit: used, partly used, missed or still available, period by period. Long-press any credit to edit, hide or reset it. REWARDS Track points and miles across Membership Rewards, Ultimate Rewards, ThankYou, Capital One, Bilt, and airline and hotel programs, with what they're worth in cash. TOOLS The Wallet Optimizer tells you which card to use for dining, groceries, travel and more. Transfers finds the best way to move points to an airline or hotel partner, including current transfer bonuses. The Points Calculator tells you whether a redemption is a good deal. ON YOUR HOME SCREEN Widgets in every size show what's expiring, and you can check off a credit right from the widget without opening the app. A Points Balances widget shows your points and what they're worth. Ask Siri what's expiring or mark a credit used, hands-free. BUILT FOR IPHONE DUO AND IPAD Unfold iPhone Duo and Cards, Rewards and Tools show your list on one side and the details on the other, while Tracker lays your credits out in a grid beside the brief. iPad gets the same layouts. Folded, it's the iPhone app you'd expect. ALSO INSIDE • A card catalog covering Amex, Chase, Citi, Capital One, Bilt and most major issuers, kept current as terms change • Import a statement PDF or screenshot to check off credits you've already used • Auto-log for credits that renew on a schedule, like streaming • Added a card mid-year? Catch up on what you've already used, without double-counting • Reminders before a credit expires and before an annual fee posts • Share your year as an image • True Black dark mode • Household Mirror: give a partner a live, read-only view of your wallet with one private link PRIVATE BY DESIGN No bank logins, no Plaid, no account to create. Your cards stay on your device and in your own iCloud. Optional analytics are off by default and never include your cards, balances or amounts. FREE, WITH ONE OPTIONAL UPGRADE Free for up to 3 cards and 3 reward accounts, with the full Tracker, fee recovery, reminders, widgets, Points Calculator and Transfers. A one-time Credit Buddy+ purchase unlocks unlimited cards and accounts, the full Wallet Optimizer and card recommendations, custom categories, calendar sync, Household Mirror and advanced notifications. No subscription. Credit Buddy is independent and not affiliated with any card issuer or rewards program. All trademarks belong to their respective owners.