Spento vs Topf

Spending happens in seconds. Tracking it should too. Tell Spento what you bought the way you would say it naturally: “Lunch at Northstar Kitchen, $18.50.” Spento turns your voice into a structured expense — amount, currency, date, merchant, category and wallet — then lets you review everything before saving. SPEAK, REVIEW, DONE - Record an expense in natural language, without forms or rigid commands - Let AI organize the details automatically - Review and adjust every field before it reaches your history ORGANIZE MONEY YOUR WAY - Customize categories, colors and AI hints to match your habits - Separate personal, business or shared spending with wallets - Set a monthly spending goal for each wallet and see what remains - Prepare recurring expenses and keep debts visible until they are settled UNDERSTAND WHERE YOUR MONEY GOES - Explore clear trends and category breakdowns - Filter your history by date, category and wallet - Track 140+ currencies with automatic conversion AVAILABLE WHERE YOU NEED IT - Keep expenses, categories, wallets and settings in sync across devices - Check a wallet from your Home Screen widget - Record an expense from your Apple Watch PRIVACY BY DESIGN Your voice is sent securely to our AI transcription provider only to create the expense, then discarded. Spento never stores the recording and keeps only the structured data you approve. START FREE Create your account and try Spento Premium free for 7 days. Premium includes voice recording, AI transcription and parsing, advanced statistics and cloud sync. Terms of Use: https://spento.app/terms Privacy Policy: https://spento.app/privacy

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: category, amount, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. TOPF AI Your personal finance assistant. Ask in your own words or by voice: “How much did I spend at cafés this year?”, “Will my money last until payday?” Topf AI finds a transaction, records spending from your words, works out where the money went and shows it as a chart. It helps you set up recurring transactions, budgets and automatic entry and finds forgotten subscriptions. And it takes on any other question or task about your book. AUTOMATIC ENTRY Connect Apple Pay, bank notifications or bank SMS once, and every payment automatically becomes a transaction in your book, with its category and account already chosen. Requires iOS 26, bank notifications iOS 27. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input, receipt scanning and Topf AI require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input, receipt scans and automatic entry, gives you more Topf AI questions, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/