FinPulse vs Spensei

Take Control of Your Money — and Start Making Real Progress FinPulse is your all-in-one financial system to understand your spending, plan your budget, and achieve your goals — without the overwhelm. Whether you're getting organized, saving for something important, or working toward financial freedom, FinPulse helps you turn clarity into action. HOW FINPULSE WORKS 1. Understand your money See exactly where your money goes with clear, organized tracking 2. Plan with confidence Build a budget and structure your finances around your priorities 3. Take action Get personalized insights on what to improve next 4. Make progress Track your goals, reduce debt, and grow your savings over time KNOW WHERE YOUR MONEY GOES • Secure bank connections • Automatic transaction categorization • Clear monthly summaries and spending trends PLAN YOUR MONEY WITH CONFIDENCE • Simple, flexible budgeting tools • Organize your income, expenses, and savings • Stay ahead with a clear financial structure MAKE SMARTER DECISIONS • Personalized insights based on your financial habits • Clear recommendations on what to improve next • Financial health score to track your progress BUILD REAL PROGRESS • Track savings, debt, and financial goals • Visual progress that keeps you motivated • Custom goals for what matters most AUTOMATE THE BASICS • Recurring transaction detection • Budget alerts and overspending notifications • Monthly financial summaries YOUR MONEY. FULLY SECURE. • Secure bank connections • Encrypted data storage • Privacy-first approach WHY FINPULSE? Most finance apps just show you numbers. FinPulse helps you understand what they mean — and what to do next. It’s not just tracking. It’s a system designed to help you stay in control and move forward every month. Download FinPulse and start taking control of your money today. Terms of Use: https://www.finpulse.ca/terms Privacy Policy: https://www.finpulse.ca/privacy

Spensei logs every Apple Pay purchase seconds after you pay and tells you what is safe to spend today. No bank login, and your purchases are stored on your iPhone, not on our servers. HOW IT WORKS Set up one Shortcuts automation, once, with the steps in the app. From then on every Apple Pay tap lands in Spensei on its own, sorted into a category, with a short note on your screen. WHAT YOU GET • Left today: your monthly limit, or your pay minus your bills, turned into one number for today. Tap it to see exactly how it is worked out. • A note the moment you pay, with the amount, the category and what is left today. • Belts for days on track. Close enough still counts, and a belt is never taken away. • A morning note with how yesterday went. • Habits that add up, like a coffee run that costs more a year than you would guess. • Your month in review on the 1st. • Subscriptions, with a reminder before each renewal and before a free trial ends. • A heads up when a shop charges you twice, while you can still ask for it back. • Goals: save toward something, or keep the month under a number. • Home screen widgets. • Add a purchase by hand for cash, debit or anything Apple Pay does not see. ASK ABOUT YOUR MONEY Ask in plain words and get answers worked out from your own numbers: the figures are calculated first, then explained. The chat is optional and asks before it sends anything. PRIVATE BY DESIGN Apple Pay purchases are kept on your iPhone. Spensei never sees your card number and never asks for a bank login. Connecting a bank through Plaid is optional and in beta. SPENSEI PRO Tracking, the daily number and everything on the Spending page are free. Spensei Pro adds more from the chat: 30 answers a day instead of 30 a week, 15 advanced answers a day, and photos and PDFs. Monthly or yearly, with a 7 day free trial. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Spensei is a spending coach, not a financial adviser. Its answers are general information, not professional advice. Privacy Policy: https://hmokbel.github.io/spensei/#privacy Terms of Use: https://hmokbel.github.io/spensei/#terms