Splitrate vs Budget & Bill Planner

Fixed costs shouldn't be a headache. Splitrate makes managing your recurring expenses so simple and clear, you'll wonder how you ever managed without it. Whether you live alone, share your home with a partner, or split an apartment with roommates: Splitrate adapts to your life. Not the other way around. Your Fixed Costs. Always Under Control. Rent, utilities, internet, insurance, subscriptions: Set up your recurring expenses once and Splitrate takes care of the rest. Weekly, monthly, quarterly, or only in certain months. Even seasonal costs like winter heating can be mapped out. You can also set an end date, and the expense will automatically mark itself as complete. Plan Together. Split Your Way. When you share fixed costs with others, you have full control. Split by income so everyone contributes their fair share. Split equally when that works better for you. Or set custom percentages. Splitrate always shows who owes what to whom, making settling up effortless. With the settlement history, you can also keep track of past balances. Budgets for Variable Costs Besides fixed costs, you can also create budgets for things that vary each month. Groceries, dining out, or leisure activities. Set a monthly limit and always know how much you can still spend. When things get tight, Splitrate reminds you before you go over budget. Savings Goals You'll Actually Reach Whether it's a new phone, an emergency fund, or your dream trip: Set up savings goals and watch yourself get closer month by month. Splitrate calculates how much you should set aside each month and shows you when you'll likely reach your goal. At 25, 50, and 75 percent, the app celebrates with you. Stay on Top of Everything Your personal dashboard shows at a glance what's happening this month. Income, expenses, available money, and your fixed cost ratio. Swipe between months to see how your finances are developing. The insights show you with clear charts where your money goes and which categories cost the most. Widgets for a Quick Glance With the home screen widgets, you can see your financial situation without opening the app. Available money, budget status, or both together. Always With You Your data syncs automatically via iCloud across iPhone and iPad. Changes appear instantly, no matter which device you're using. Your Data Stays Yours Protect the app with Face ID or your device passcode. In privacy mode, you can hide amounts when someone is looking over your shoulder. Your financial data remains private and never leaves your devices. Search and Export Find any expense in seconds with the search. Export your data as CSV or JSON if you want to use it elsewhere. Please Note Splitrate is not a banking app and does not offer financial advice. The app simply helps you keep an organized overview of your finances: What goes out when, how much is left, and who owes what to whom.

Spendra shows you how much money you really have left this month — without ever giving up your data. Your money, your data — and yours alone. Private by design No account, no login, no sign-up All your data is stored locally on your device by default No bank connection, no banking credentials No analytics, no tracking, no ads Optional sync runs through your own private iCloud — never our servers Logged in seconds Quick entry with the amount field ready to type in Scan a receipt for the amount, merchant and date Send receipts and PDFs from any app via Share Split one entry across several categories Salary, rent and the rest post themselves as recurring entries Always know what's left Safe-to-spend for the month at a glance Envelope budgets per category, with rollover into the next month A 50/30/20 quick-start, calculated from your income Can I afford this? — check a purchase before you make it Subscriptions & fixed costs under control Every subscription in one place, with yearly cost and share of income Reminders before a charge, before a trial converts, before a cancellation deadline Price history per subscription A bills calendar with everything due Understand and save Stats by day, week, month and year Spending by category, trends and a money-flow chart Savings goals with a target amount, date and monthly rate Net worth across all your accounts Trips with their own budget and foreign currency at ECB rates On your Home Screen Home Screen and Lock Screen widgets Quick entry from Control Center A Live Activity with your daily budget Siri, Shortcuts and Spotlight search Gentle reminders A daily nudge to log what you spent An alert when a budget hits 80% and 100% A no-spend streak for your spend-free days Premium includes Advanced statistics with yearly views Subscription intelligence: insights, price alerts, automatic detection Net worth and iCloud sync Unlimited budgets, goals, categories, payment methods and trips Daily budget as a Live Activity, CSV export of your full history Every accent color AI Smart Capture on devices with Apple Intelligence — entirely on device A private App Lock with Face ID or Touch ID keeps your finances for your eyes only — free, for everyone. Subscriptions Auto-renewable Premium plans (1 month, 1 year with a 1-week free trial), or a one-time Lifetime unlock Payment is charged to your Apple ID account Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period Manage or cancel anytime in your Apple account settings Restore Purchases is available in-app Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://darianhanci-legal.web.app/datenschutz