Spendex vs Ownspend

Take control of your bills, subscriptions, and everyday spending with Spendex — your simple, private money companion. Spendex helps you organize recurring payments, track daily expenses, split group bills, and understand where your money goes. Clear insights, helpful reminders, and effortless tracking make managing your finances easier every day. NEW IN VERSION 1.1.6 • Auto-log expenses from bank SMS alerts using a simple Shortcut • Dashboard Stories with quick spending highlights • Hide amounts across your dashboard, groups, and subscriptions • Smarter in-app tips that appear once and never overwhelm you • Filter daily expenses by category, month, and amount • Add expenses faster with an improved entry flow • Choose from personalized app icons with Premium • Receive richer push notifications with relevant images • Mark multiple group-bill participants as paid in one tap • More reliable sign-in with improved silent session renewal KEY FEATURES • Track subscriptions and recurring bills • Get reminders before upcoming payments • Manage variable bills such as electricity, water, and internet • Record and organize daily expenses • Split expenses with groups and participants • View clear spending summaries and insights • Edit, pause, or delete subscriptions anytime • Protect your privacy with hidden amounts • Enjoy a clean design built for everyday use Whether you’re managing personal spending, household bills, or multiple subscriptions, Spendex gives you the clarity and control to make smarter financial decisions. PREMIUM Spendex Premium unlocks advanced features, including personalized app icons. Monthly and yearly plans are available. Payment is charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless canceled at least 24 hours before the end of the current subscription period. You can manage or cancel your subscription in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ownspend is the expense tracker for people who tried budgeting apps and quit. No bank password. No account. No three-hour setup weekend. Open it, tap plus, type what you spent, and watch it fill a spending wheel that's actually worth looking at. In 90 seconds you'll see the one thing you opened the app for: where your money actually goes — not where you think it goes. (Same app, new name: ClearSpend is now Ownspend. Your expenses and your Pro unlock are exactly where you left them.) SEE EVERYTHING AT A GLANCE Each category is an arc on the Spending Wheel, sized by what you've spent this month, in warm colors you can read in three seconds. Tap an arc to drill into it. The wheel fills in real time as you log, so you always know if you're on track. LOG IT IN 3 TAPS The numeric keypad is waiting the moment you tap add. Amount, category, done. Optional note. Ownspend remembers your recent amounts and categories, so logging that morning coffee takes seconds — before you forget. BUDGETS THAT ACTUALLY HELP Set a monthly limit per category and watch your progress inline. Ownspend warns you as you near a limit and flags the ones you've gone over — no end-of-month surprises. YOUR HISTORY, INSTANTLY SEARCHABLE Every transaction, newest first. Search by keyword, filter by category or date, sort by amount. Record the cash spending no automatic tracker ever captures. BRING YOUR OLD APP WITH YOU Switching trackers usually means starting from zero. Export a CSV from the app you're leaving and import it here instead — Ownspend shows you exactly what it will create, every row, before anything is written. ON IPHONE AND IPAD A real iPad layout — sidebar, dashboard and history side by side — not a stretched-up phone app. Attach a receipt photo to any expense, and record where you spent it. PRIVATE BY DESIGN, NOT BY POLICY Ownspend is local-first. Your expenses live on your device, and we never link to your bank or ask for a password. Use it solo and there is no account and no sign-in at all — nothing to leak, nothing to breach. Shared Wallet is opt-in, and free. Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet's expenses sync; everything else stays on your device. Sign in with Apple or Google, and delete your account whenever you want, right there in Settings. WHAT YOU GET, FREE - The Spending Wheel and full category breakdown - 3-tap Quick-Add logging - Up to 3 categories and 60 days of history - One savings goal - Monthly summary card you can share - Multiple wallets for cash, checking, and cards - CSV import, so switching costs you nothing - Shared Wallet, with one other person OWNSPEND PRO — YOUR CHOICE, NO GAMES Pro removes the limits. Start with a 7-day free trial on the monthly or yearly plan — or skip subscriptions entirely, pay once for the lifetime unlock, and own it forever. Pro adds: - Unlimited categories and unlimited history - Per-category monthly budgets and alerts - Unlimited savings goals - Recurring transactions and subscription tracking - Home screen widgets - Export to CSV or JSON for tax time The free tier is genuinely useful — it's the trial. Upgrade only when you outgrow it. WHY OWNSPEND Most budgeting apps want your bank credentials, charge you forever, or make you learn a methodology before you can log a coffee. Ownspend works offline, from the first tap, and keeps your financial life on your device. You own your spending — and you can own the app outright too. --- Ownspend is a personal budgeting and expense-tracking tool, not financial, investment, or tax advice. For guidance specific to your situation, talk to a qualified financial professional. Questions? Email dark2torch@gmail.com — we usually reply within a day or two. — Terms of Use (EULA): https://moathothman.github.io/ExploringIdeas-legal/clearspend/terms.html Privacy Policy: https://moathothman.github.io/ExploringIdeas-legal/clearspend/privacy.html