Cheltu vs Monavo

Snap a receipt. Cheltu does the rest. Cheltu turns paper receipts into organized spending data, automatically. Point your camera at any receipt and Cheltu reads the merchant, date, total and individual items in about 2 seconds. No typing, no accounts, no cloud processing. WHY CHELTU Instant scanning: burst capture with multiple frames for sharp OCR results, even on crumpled receipts Smart categories: purchases are sorted into Groceries, Dining, Transport, Health and more, automatically Monthly budget: set a limit and see exactly where you stand, with a home screen widget for a quick glance Spending insights: weekly, monthly and yearly reports, top stores, top products, price history per product Multi-currency: receipts in RON, EUR and other currencies, with separate totals per currency on export Export anywhere: CSV for Excel and Google Sheets, or PDF with the receipt images included Backup and restore: local backups for everyone, iCloud backup with Pro Private by design: all processing happens on your device. Your receipts never leave your phone. FREE FOREVER Unlimited receipt scans, monthly budget, weekly charts and the last 4 weeks of analytics, free, with no account. CHELTU PRO Unlock CSV and PDF export, unlimited analytics history, monthly and yearly trends and iCloud backup. Free 7-day trial, then a monthly or yearly subscription. Cancel anytime. Cheltu works great in Romania (bonuri fiscale, ANAF-friendly exports) and Italy (scontrini), and handles receipts from anywhere. Questions? support@cheltu.ro Privacy policy: https://cheltu.ro/?lang=en#privacy Terms of use: https://cheltu.ro/?lang=en#terms

Type "coffee 15" and it's done. No forms. No menus. No setup. Monavo is the expense tracker built around one idea: logging a purchase should take less time than making it. You write what you bought in plain language — "lunch 12", "uber 34", "groceries 87" — and Monavo figures out the amount, the category, and the context. Tap once. It's tracked. The quick-add moment Most expense apps ask you to open a form, pick a category from a list, type an amount, write a note, and save. By the time you're done, you've forgotten why you opened the app. Monavo replaces all of that with one line of text. Write it the way you already think about it. Monavo reads it, categorizes it, and logs it. If it gets the category wrong, correct it once — it learns your patterns and stops guessing wrong. Everything you need, nothing you don't — Quick-add that reads plain language and learns from your corrections — Budgets by category with gentle alerts as you approach the limit — Daily insights that explain what's actually driving your spending — Recurring payments so subscriptions and bills stop slipping through — Multi-currency with live exchange rates, useful when you travel or get paid in a different currency — Partner mode: one shared budget on both your phones, one subscription — Sync across your own devices when you want it, and never when you don't — CSV import and export so your data is always yours to move — PIN and biometric lock for on-device protection — Six languages: English, Spanish, French, German, Portuguese, Romanian Made for two, when you want Money is rarely just one person's. Pair your phone with your partner's and you share one budget across both — whatever either of you logs shows up on both phones, in sync, so you see the whole picture instead of half of it. One subscription covers you both. Prefer to keep your spending to yourself? Don't pair, and Monavo stays a private, solo tracker. Built for people who stopped using their last expense app Most trackers fail for one of three reasons: they demand your bank login, they make logging a four-tap chore, or they bury the thing you actually want to know under charts you don't need. Monavo does none of those. There's no bank connection to set up, logging takes one line, and the home screen tells you what you're spending today, this week, and this month without you having to ask. Private by default Your spending data says a lot about you — where you eat, where you travel, what you're saving for, what you spend too much on. Monavo treats that data like it's yours. There's no bank linking, no credential sharing, no Plaid, no Open Banking. Your data lives on your phone by default. If you want it synced across devices, cloud sync is opt-in and encrypted. We never sell your data, and there are no ads anywhere in the app. Free, Pro, or one-time Start free — unlimited manual entry, full budget and insight features, and 100 AI quick-adds per month. Pro raises the AI limit to 500 a month and unlocks cloud sync — across your devices and your partner's — plus CSV export, available as a monthly or yearly subscription, or as a one-time lifetime purchase. One subscription covers both of you. The lifetime option is there because not everyone wants another subscription. A tracker that gets out of your way Open Monavo. Log what you spent. Close it. That's the whole loop. No achievements to unlock, no aspirational charts, no guilt notifications about coffee. The right expense tracker is the one you actually keep using — and you only keep using the one that doesn't slow you down. Start free. Type your first expense. You'll see the difference in seconds. Terms of Service: https://getmonavo.com/terms.html