Vimoni vs LYDRA Finance

Track your income and expenses in one place. Add transactions quickly, manage multiple wallets, and stay on top of your budget. KEY FEATURES • Income & expenses — Record spending and earnings with category, date, and notes. • Voice input — Say "Spent fifty thousand on lunch" or type a number; the app understands words, digits, and mixed formats in multiple languages. • Receipt scan — Take a photo of a bank slip or receipt; the app reads amount, currency, date, and message so you can add the transaction in one tap. Works with popular Vietnamese banks (e.g. Vietcombank, Techcombank, BIDV, VCB Digibank). • Split transactions — Divide one payment across multiple categories (e.g. groceries + household). • Transfer between wallets — Move money between your accounts and track it accurately. • Multiple wallets — Organise your money by account or purpose. • Budgets — Set limits by category and see how much you've spent. • Savings goals — Define targets and track progress. • Debt tracker — Record who owes you money and what you owe others. • Recurring transactions — Schedule regular income or expenses automatically. • Reminders — Get notified for upcoming due amounts. • Advanced reports — Bar and pie charts broken down by category, date range, and wallet. • Comparison reports — Compare spending month-over-month or period-over-period at a glance. • Net worth — See your total assets minus liabilities in one dashboard. • Calendar view — Browse transactions day by day on a monthly calendar. • CSV import — Import transactions from a spreadsheet in seconds. • Multiple currencies — Support for VND, USD, EUR and more; rates are cached for offline use. • Privacy blur — Lock the app with Face ID, fingerprint, or PIN; sensitive amounts are blurred until unlocked. • Cloud sync — Sign in with Google or email to sync across all your devices. • Spending Insights — automatically detects unusual expenses, highlights categories where you overspend, and forecasts your total spending for the coming month based on your habits. • Envelope Budgeting — allocate 100% of your income into category "envelopes" before the month begins (zero-based budgeting). See at a glance how much is left in each envelope and get warned before you overspend. • Tax Report — mark any expense as tax-deductible and choose a category (Business, Medical, Charity, Education, Other). At year-end, view a full summary grouped by category and month, then export to CSV or PDF for your accountant. • Clean, simple design — Focus on your finances without clutter. Whether you're tracking daily coffee or keeping an eye on the budget, this app helps you stay in control of your money. Download now and start managing your finances with less effort.

Stop entering expenses manually. LYDRA Finance uses AI to turn receipts, invoices, and voice notes into organized data instantly. No bank connection required. No spreadsheets. Snap, speak, or type — and your finances track themselves. 4 WAYS TO LOG A TRANSACTION - Receipt Photo: Point your camera at any receipt. LYDRA reads the merchant, amount, date, tax, currency, and category. Works in any language. - PDF Invoice: Upload a PDF invoice or statement. All fields are extracted and presented for your review before anything is saved. - Voice Entry: Say "Paid $80 for groceries at Whole Foods." LYDRA transcribes and structures it instantly. - Chat / Text: Type naturally. The AI parses your message and builds the transaction entry for you. TRACKS INCOME AND EXPENSES Track salary, freelance pay, and dividends alongside every expense for a complete financial picture. DEEP ANALYTICS DASHBOARD 7+ chart types give you a complete financial picture: * Income vs expenses vs budget (real-time) * Category breakdown with month-over-month comparison * Daily activity over the last 90 days * Merchant trend analysis (12-month view) * Recurring expense tracker * Effective tax rate * Tag-based spending by period AI FINANCIAL ASSISTANT Ask plain English questions about your data. "What did I spend on food last month?" "How much did I earn from freelancing this year?" Instant answers from the AI, powered by your actual transaction history. 166+ CURRENCIES. ONE DASHBOARD. Log in any of 166+ currencies with daily-updated exchange rates. See everything converted to your home currency automatically. Built for international professionals, remote workers, and anyone managing multi-currency finances. BUILT FOR PRIVACY. SERIOUSLY. + No bank login required + Kill switch: One tap permanently deletes everything + Zero data retention on account deletion + No ads. No data selling. No third-party tracking PLANS Start with a 15-day Pro trial — no card required. After your trial, continue free forever with manual transaction tracking, full history, and your dashboard. Upgrade to Pro anytime to unlock AI scanning, voice entry, PDF import, deep analytics, and more. SUBSCRIPTION INFORMATION Free Plan: Manual transaction logging, full transaction history, dashboard, and 166+ currency support — free forever, no subscription required. LYDRA Finance Pro: Access AI receipt scanning, voice logging, PDF import, batch scan, deep analytics, Excel export, and the AI Financial Assistant. Auto-Renewal: Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Trial: After the 15-day trial, your account automatically continues on the Free Plan at no charge. You will not be billed unless you choose to subscribe. WHO IT IS BUILT FOR * Freelancers tracking client payments and business expenses * Small business owners who need clean books without an accountant * International professionals managing multi-currency finances * Anyone who wants to start tracking for free — no card, no commitment, no expiry * Anyone tired of manual expense tracking and spreadsheets * Users who want financial clarity without connecting a bank account AI DATA & PRIVACY DISCLOSURE LYDRA Finance utilizes AI to provide high-accuracy receipt scanning and financial insights. Your Data is stored securely and NEVER used to train AI models. DISCLAIMER LYDRA Finance is a personal expense tracking tool and does not provide financial advice. Always verify AI-generated entries before saving. AI-generated insights are for informational purposes only. Always consult a qualified financial professional for financial decisions. Support: support@lydrafinance.com Web app: lydrafinance.com Privacy Policy: https://lydrafinance.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/