Ernie vs SpendGuard

That $200 jacket isn't just $200. It's 8 hours of your life. Ernie shows what things really cost: the hours you worked to pay for them. Then he helps you sleep on it, so you only buy what you'd still want tomorrow. Free. No account. No ads. Your numbers stay on your phone. HOW IT WORKS • Check a price. Type it in, or share any product page to Ernie from Safari. See it in hours of your work, and what it could grow into if you invested it instead. • Sleep on it. Save it to Maybe Later and pick when Ernie should check in: tomorrow, in a few days, or any time you choose. • Decide with a clear head. Still want it? Buy it guilt-free. Changed your mind? It counts as saved. NOT A NO-SPEND APP Ernie isn't here to make you feel bad about buying things. He's here for the gap between wanting something and paying for it. Most urges don't survive the night. EVERYTHING YOU NEED • Ask Ernie from the share sheet on any shopping page • A home screen widget with your savings and the hours you kept • Long-press the app icon to check a price in a second • Hourly, salary or paycheck: Ernie works out your rate • Any currency, in 10 languages • See what your skips could grow into by retirement • Light and dark mode PRIVATE BY DESIGN No sign-up, no bank login, no ads, no subscription. Your pay, your birthday and everything you check stay on your device. An app about keeping your money shouldn't ask for any of it.

SpendGuard tracks your spending for you. Set it up once and every Apple Pay purchase is logged automatically. No typing, no bank login. EXPENSES LOG THEMSELVES Connect a simple Shortcuts automation in a minute. From then on, each Apple Pay payment appears in SpendGuard with amount, store and category. NEVER MISS A TRIAL END Add your subscriptions and free trials. SpendGuard reminds you before a trial turns into a charge and shows what you pay every month. ASK WHERE YOUR MONEY WENT Ask the built-in assistant simple questions like "How much did I spend on food this week?" and get a clear answer. YOUR WEEK AT A GLANCE The home screen shows today, this week and your budget left, so you always know where you stand. LOG ANYTHING IN SECONDS Paid in cash? Add an expense in a couple of taps with smart categories. YOUR WEEK, AS A STORY Every week SpendGuard turns your spending into a short story: top categories, biggest purchases and how you did against your budget. Private by design: no bank connection needed. Subscription terms: SpendGuard Premium is billed through your Apple ID. It renews automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel in your App Store account settings.