Mooneem vs Settle

Most personal finance apps get in the way. They want you to create an account. Connect your bank. Pay a monthly fee. Agree to terms about how your financial data might be "used to improve your experience." And after all that — they still don't work the way you think. Mooneem is different. It was built out of frustration with exactly that. No account. No subscription. No cloud. Your data never leaves your phone. You import your bank statements as CSV files — the kind every bank already lets you export — and Mooneem does the rest. Tag merchants once, and every future transaction from that merchant is categorised automatically. Check your net worth across all accounts. See where your money actually goes each month. That's it. No social features. No budgeting "challenges". No AI suggestions about your coffee spending. Just a clean, fast, opinionated app that shows you the truth about your finances. What Mooneem does: * Import statements from Amex, Monzo, Chase and more * Auto-categorise spending by merchant * Net worth tracking across current accounts, savings, investments and pensions * Monthly and yearly spending trends by category * Multi-currency support with live exchange rates * Expense overrides for irregular periods (holidays, big purchases) * Works entirely offline What Mooneem doesn't do: * Ask for your bank login * Store anything outside your phone * Charge you anything Built for people who want to understand their money — without handing it over to someone else first.

Settle makes splitting money with friends effortless. Whether it's a trip, a shared flat, dinner, or a group gift, Settle keeps track of who paid, who owes what, and helps everyone square up — without the awkward math or the awkward reminders. SPLIT ANY EXPENSE • Add an expense in seconds and split it equally, by exact amounts, by percentage, or by shares. • Snap a photo of the receipt and keep it attached to the expense. • Organize costs into groups for trips, homes, or couples. SEE WHERE YOU STAND • A clear running balance for every group and every friend. • Understand who owes whom at a glance — no spreadsheets. • Spending charts and insights to see where the money went. SETTLE UP THE EASY WAY • Record settlements when someone pays you back. • Add your UPI ID so friends can pay you in a tap. BUILT TO FEEL GOOD • Fast, clean, and native — with a polished light and dark theme. • Optional Face ID lock to keep your balances private. • Works smoothly even when your connection drops. PRIVATE BY DESIGN • No ads. No tracking. No selling your data. • Sign in with Apple or Google. • Delete your account and data anytime, right from the app. Settle is a record-keeping tool — payments happen directly between you and your friends. Download Settle and never chase a balance again.