Settle Book vs Xpense Manager

Take Control of Your Money - All in One Place Managing money shouldn’t be stressful. This app helps you track debts, daily expenses, and subscriptions so you always know where your money goes. Whether you owe friends, pay monthly bills, or want to improve spending habits, everything is organized in one clean and simple dashboard. -> Track Debts Easily Keep a clear record of money you owe or lent. • Add bank loans, friends & family debts • Monitor remaining balances • Track payments and progress • Stay organized and avoid missed repayments -> Monitor Daily Expenses Understand your spending habits and improve budgeting. • Log expenses in seconds • View monthly spending trends • Analyze where your money goes • Build smarter financial habits -> Manage Subscriptions Stop forgetting recurring payments. • Track active & inactive subscriptions • Get billing cycle insights • Know upcoming renewal dates • Avoid surprise charges -> Powerful Analytics Make better decisions with clear insights. • Spending distribution charts • Monthly trends and breakdowns • Subscription billing analysis -> Why You’ll Love It • Simple and clean design • Easy to use and fast • All finances in one place • Built for everyday use Start your journey towards better money management today.

Know exactly where your money goes — without giving your data to anyone. No account. No internet connection required. No tracking. Just a fast, private expense tracker that lives entirely on your device. TRACK IN SECONDS Add an expense with three taps. The description field auto-suggests a category as you type, and the app remembers your choices for recurring merchants — so future entries categorize themselves. IMPORT YOUR BANK STATEMENTS Skip the manual entry entirely. Import PDF, CSV, or XLSX bank statements directly from Files or email. Xpense Manager parses transactions automatically — including from password-protected PDFs — previews every row before you commit, and flags duplicates so your data stays clean. The Template Wizard guides you through mapping columns in three steps for PDFs that could not be automatically processed. UNDERSTAND YOUR SPENDING A dashboard built for clarity: • Monthly snapshot: total spend, transaction count, and top category vs your 12-month average • Category breakdown: pie, donut, vertical bar, or horizontal bar chart • Trend explorer: monthly totals with MoM delta labels, yearly grouped view, and category trend lines • Filter by any date range — today, this month, last 3 months, or a custom window MULTI-CURRENCY, NO HASSLE Log expenses in any currency and see everything converted to your home currency on the dashboard. Bundled reference rates cover 150+ currencies — no internet required. Currency rates can be updated manually. Every release provide average currency rates for the current year. BUILT FOR PRIVACY Your financial data never leaves your device. No account. No tracking. No analytics. No backend. Fully offline. GDPR-compliant: delete everything in one tap via Settings → Delete All Data. KEEP YOUR DATA SAFE Back up expenses, categories, learned patterns, and settings to iCloud Drive or local device storage. Restore seamlessly at any time. FACE ID / TOUCH ID Lock the app with biometrics. Locks automatically after 30 seconds in the background. ——— Xpense Manager is free to use for manual tracking and up to 2 CSV/XLSX imports per month. You will also get 5 PDF imports for free to try this feature. Upgrade to Pro or Lifetime for unlimited imports and smart categorization matching and pattern building. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/