Spendex vs Welfi

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/

Welfi is for people whose money doesn't sit in one country, or one currency. Track accounts in AED, USD, EUR, GBP — or whatever you actually hold — alongside physical gold, property, vehicles, investments and crypto. One net worth, in the currency you think in. And it stays yours. Your financial data is encrypted on your device before it reaches us. We cannot read your balances, and neither can anyone who breaks into our servers. Welfi never asks for your online-banking password. WHAT YOU TRACK - Accounts in any currency, at live rates or your own - Physical gold by gram, ounce or kilo - Property, vehicles, investments and crypto - Loans, cards and debts — the full picture, not just the good half BUDGETS THAT HOLD UP - Envelope budgeting: what's left in every category, in real time - Split one transaction across several categories - Recurring income and bills on any cadence — every 3 weeks, every 18 months - Import a PDF, CSV or Excel statement: Welfi reads it, categorises it, skips duplicates CLARITY, NOT GUESSWORK - Where your money sits, how fast you could reach it, and what it earns while it waits - Spending by category and over time, net worth, savings rate — all exportable - A financial health score, with the specific things that would move it - An AI assistant you can ask about your own money, in plain language PLANNING AHEAD - Savings goals, with the months to each one - Net-worth projection and retirement planning - End-of-service and gratuity estimates under your country's labour rules BUILT FOR IPHONE - Face ID lock, home-screen widgets, quick-add from anywhere - English, Arabic and French, fully right-to-left WHY NO BANK CONNECTION Aggregators need your bank credentials and sell the data onward. We want neither. You add accounts yourself or import a statement — which is also the only way to cover the banks, currencies and assets aggregators ignore. Welfi describes what you hold and shows published figures alongside their sources. It is information, not financial advice, and it never recommends a product or tells you what to buy, sell or move. SUBSCRIPTION Free for 14 days, no card required. Core and Premium are then available as monthly or yearly subscriptions; current prices are shown in the app before you confirm. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the period ends. Manage or cancel in your Apple Account settings. Privacy policy: https://welfi-app.com/privacy Terms: https://welfi-app.com/terms How we protect your data: https://welfi-app.com/security