MoneyNotes+ vs Billy

Just talk. We'll track it. MoneyNotes makes expense tracking effortless. Tap the mic, say what you spent, and AI handles the rest — no typing, no spreadsheets, no hassle. VOICE-POWERED TRACKING: Tap the microphone and speak naturally. "Spent 50 on groceries" or "Paid 200 for electricity." MoneyNotes transcribes your voice and automatically creates a categorized transaction in seconds. SMART DASHBOARD: See your complete financial picture at a glance. Your balance, income, and expenses are clearly displayed with visual progress bars. Set a monthly budget and track your spending against it in real time. MANUAL ENTRY: Prefer typing? Add transactions manually with a simple form. Choose from categories, set the amount, and you're done. AI FINANCIAL INSIGHTS (Pro): Get a personalized, AI-generated financial report that analyzes your spending habits and provides actionable insights — written in plain language, not spreadsheet jargon. ANALYTICS & TRENDS (Pro): Visualize your money with beautiful charts. See daily expense and income trends, discover your top spending categories, and find out your biggest spending day. MULTIPLE WALLETS: Organize your money your way. Create multiple wallets to separate your finances and manage everything with clarity and control. WEALTH MANAGEMENT (pro): Track your complete financial picture. Monitor your assets and liabilities and understand your true net worth in one place—free for a limited time. BANK MESSAGE AUTOMATION: Automatically log transactions from your bank SMS notifications through Apple Shortcuts integration. Even when you are offline, all messages will be saved until your connection is back, reopen the app, and your transactions will be logged automatically. KEY FEATURES: - Voice-to-transaction in seconds - Smart AI categorization - Monthly budget tracking with progress bars - Income and expense filtering - Swipe to edit or delete transactions - Month-by-month transaction history - Apple Pay, Insta Pay, and Payment by cards are logged automatically, even when you are offline. They are queued until your connection is back. Reopen the app they will be synced automatically - Secure sign-in with Apple or Google MONEYNOTES PLUS SUBSCRIPTION PLAN: Unlock the full experience Monthly Plan - 5$/month: - Unlimited voice recordings - Unlimited transactions - Analytics & spending trends - AI-powered financial insights - Full wealth management screen Your data is yours. Sign in securely with Apple or Google. Delete your account and all data at any time from Settings. Terms: https://fintechcopilot.ai/terms Privacy: https://fintechcopilot.ai/privacy

Billy reads your receipt and works out exactly what each person owes — including tax and service — so nobody argues and nobody gets short-changed. Scan the receipt. Tap who ordered what. Send everyone their share. SCANNING THAT STAYS ON YOUR PHONE Point your camera at the receipt and Billy reads the items using Apple's on-device text recognition. No AI service, no server, no upload. The photo never leaves your phone and is not kept. Because paper receipts are creased, faded and inconsistent, every scan opens a review screen first. Fix a name, correct a price, untick anything that isn't an item, add whatever was missed. Only what you confirm reaches the bill. TAX AND SERVICE, DONE PROPERLY Restaurants price two different ways, and Billy supports both. If menu prices exclude tax and service, they're added to the subtotal and split in proportion to what each person ordered — so the person who had the expensive main pays more of the service, which is only fair. If prices already include them, nothing is added twice. SPLIT HOWEVER IT ACTUALLY HAPPENED Assign an item to one person, to a few who shared it, or to everyone. Anything left unassigned is split equally and flagged, so you never accidentally leave something out. Quantities, discounts, tips and delivery are all handled. THE MATHS ALWAYS ADDS UP Money is handled in whole piastres and leftover pennies are handed out one at a time, never rounded away. Each person's share is exact, and the shares always total the bill. SHARE IN ONE TAP Send each person their own itemised share, or the whole breakdown, through WhatsApp, Messages or anything else on your phone. GROUPS AND HISTORY Save the people you split with often and every new bill starts with them already added. Past bills stay on your phone, ready to reopen and check. ENGLISH AND EGYPTIAN ARABIC Switch language in one tap, with full right-to-left layout. The receipt reader handles Arabic receipts and Arabic-Indic numerals too. CURRENCY CONVERTER Over 160 currencies for when you're travelling, cached on your device so it still works with no signal, and always dated so you know how current the rate is. DON'T FORGET YOUR THINGS Keep a list of what you always leave behind — bottle, ID, keys — and get a reminder as you head out the door. PRIVATE BY DESIGN No account. No sign-up. No analytics, no advertising, no tracking. Your bills live on your phone and nowhere else.