Finnwise vs Kibo

Do you really know where your money goes every month? The first step to improving your finances is understanding your spending — and Finnwise makes it simple, smart, and even enjoyable. Finnwise is your personal AI-powered financial assistant. No spreadsheets, no complicated setup. Just complete clarity about your money so you can make better decisions, save more, and live with less financial stress. AI THAT WORKS FOR YOU Track expenses using natural language: simply tell the AI “I paid 250 for gas” and it categorizes, organizes, and saves it for you. With Apple Wallet automation (Premium), your transactions can be recorded automatically whenever you pay. Less work, more control. UNDERSTAND YOUR SPENDING Visualize your expenses by category, compare income vs. expenses, and discover your spending habits with clean, easy-to-read charts. Finnwise analyzes your history and shows you exactly where your money goes — so you can decide where to cut back. SMART BUDGETS Create category-based budgets and receive alerts before you overspend. How much have you spent on food this month? Have you exceeded your entertainment budget? Finnwise warns you in time so you can stay on track before it’s too late. REAL SAVINGS GOALS Set goals — vacations, emergency funds, a new phone — and contribute directly from the app. Watch your progress grow and celebrate milestones with the built-in achievement system. Saving money becomes motivating. MULTIPLE ACCOUNTS & CARDS Manage cash, debit cards, and credit cards all in one place. Set billing dates, payment reminders, and never forget to pay your credit card on time. Your financial health stays protected. AUTOMATIC RECURRING EXPENSES Netflix, rent, gym memberships, subscriptions... Set them up once and Finnwise logs them automatically. You’ll always know your fixed monthly expenses so you can plan accurately. LEARN & GROW Finnwise includes practical financial lessons: the 50/30/20 rule, emergency funds, debt management, and more. Level up, unlock achievements, and become the expert of your own finances. HOME SCREEN WIDGET Check your available balance and monthly cash flow at a glance directly from your home screen — no need to open the app. SECURE & ALWAYS AVAILABLE Sign in with Google or Apple. Your data syncs in real time and remains available even without an internet connection. Financial change doesn’t require being an economics expert. It simply requires taking the first step: understanding where your money goes. Finnwise makes that first step easy — and the next ones inevitable. Download Finnwise today. Your future self will thank you. Available in Free, Basic, and Premium plans to fit your financial journey. This app offers auto-renewable subscriptions. By subscribing, you agree to our Terms of Use, EULA and Privacy Policy available at: https://finnwiseapp.com/terms.html Official Website https://finnwiseapp.com

Kibo is an expense tracker and budget app for everyday money. Add an expense in seconds or snap the receipt, and Kibo picks the category. Log an expense in seconds Type "Starbucks 4.80" and you're done. Kibo suggests the category as you type and adds its image. If you want a different one, change it with a tap. You can also import your bank statement as a CSV and every expense lands in its place. Scan a receipt. Done. Take a photo of any receipt or pick one from your library. Kibo reads the merchant, the amount and the date. Ask Kibo about your money Type "How much did I spend on restaurants last month?" and Kibo answers with the total and the expenses behind it. Your month at a glance Tap your monthly total for a day-by-day calendar, your most expensive day, your daily average, your income and how you compare with last month. When the month ends, Kibo tells it as a short story. Know where your money goes Categories shows what you have spent in each one this month, how that compares with last month and what is left of its budget. No surprises from fixed costs Netflix, the gym, rent: every repeating payment in one place, with what it costs per month and per year. Kibo reminds you before each renewal and spots repeating payments so you can add them in one tap. Save for what matters A savings jar for each goal, with how much you have and how much is left. Turn on recurring savings and Kibo logs the deposit for you. Make it yours Nine color themes and a choice of app icons. Also inside • Budgets per category, so you know what is left. • Spaces to keep a trip or a project apart from everyday spending. • Places: Kibo reminds you to log the expense when you arrive at the shops you pick. • Income and your monthly balance. • Apple Watch, widget, Live Activity, Siri shortcuts and the Apple Pay automation. • Export all your data as CSV whenever you want. Privacy We don't sell your data and we don't show ads. You can delete your account and everything in it from the app. Free and Premium Kibo is free for everyday use. Premium lifts the limits on expenses, scans, Ask Kibo questions, fixed costs, savings jars and budgets. Try it free for 7 days. Languages: English, Castilian Spanish, Hindi, Russian and Filipino. Got an idea? Write to support@ki-bo.com. We read every message. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ki-bo.com/privacy-policy