Splitrate vs Weekly Spend

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.

Weekly Spend answers one question: how much is left to spend this week? Work out what you have after the bills that never change — rent, insurance, subscriptions — split it across the weeks in the month, and that is your weekly target. Add expenses as you go and watch the number come down. That is the whole idea. Not sure what that target should be? The app works it out with you: answer as many of the prompts as you know — pay, rent, insurance, groceries — and it does the arithmetic. WHAT IT DELIBERATELY DOES NOT DO There is nowhere to enter your salary, your rent, or any other recurring amount. Those numbers are already decided, and putting them in an app does not change them. Leaving them out is what keeps this on the one figure that actually moves day to day. If money arrives mid-week — a refund, a gift, cash back — add it as an expense with a minus sign. No budgets to rebalance every month. No charts to interpret. No lectures. SHARED, PROPERLY One budget can live on as many devices as you like. Copy the budget ID, enter it on your partner's phone, and you both see the same running total within seconds — add a coffee on the way home and it is there before you are. The same budget opens on other phones and at budget.andrewovens.com, so a household running a mix of phones is not a problem, and neither is checking it from a laptop. WORKS WITHOUT A SIGNAL Everything lives on the device and syncs when it can. Add an expense in a basement car park and it is saved; it reaches the other devices when you surface. Nothing is lost waiting for a connection. WHAT YOU GET • One clear number: what is left this week • Expenses grouped by day, with a running total for each • Categories, and a breakdown by week or month • A month view showing every week against your target • Carry an unspent balance forward into next week • Copy a repeating expense to next week in one tap NO ACCOUNTS, NO ADVERTISING, NO TRACKING There is nothing to sign up for and no password to forget. No advertising, no analytics SDKs, no third-party services of any kind. There is no name, email address or phone number collected, because there is nowhere to enter one — a budget is identified by a random ID that only you and the people you share it with have. Built and run by one person, not a company with an exit strategy.