Spendli vs Lyra

Spendli makes expense tracking effortless — whether you're managing daily spending, splitting bills with friends, or tracking costs on a trip abroad. SMART EXPENSE ENTRY Add expenses your way. Point to Shoot receipts and AI registers your expenses. Type naturally with Quick Add ("Starbucks 4.50"), speak hands-free with Voice Add, scan receipts with AI-powered recognition, or use the detailed form for full control. Spendli parses everything automatically. SHARED ROOMS Create persistent/quick rooms for your apartment, trip, or any group. Open sessions within rooms to track rounds of shared spending. Settle up when you're done — Spendli calculates who owes whom and minimizes the number of transfers needed. SPLITS THAT SETTLE THEMSELVES Split any expense equally, by percentage, by shares, or by exact amounts. Track who's paid and who hasn't. Send payment reminders. Settle via UPI (India) or Venmo, Cash App, and Zelle (US/Canada) — right from the app. MULTI-CURRENCY & TRAVEL MODE Traveling? Spendli auto-detects your timezone and switches currencies. Track expenses in any currency with real-time exchange rates. Perfect for international trips. BUDGETS & SPENDING MONITORS Set monthly budgets by category. Get alerts when you're approaching your limit. Monitor specific merchants or spending patterns with smart spending monitors. INSIGHTS THAT MATTER Spending DNA breaks down your habits. See where your money goes with category analysis, trend charts, and monthly comparisons. Spend Mood tracks your financial wellness over time. YOUR DATA, YOUR CONTROL All personal information is encrypted on your device with AES-256-GCM before it ever reaches the cloud. No analytics. No ads. No tracking. Export your data anytime. Delete your account instantly. BACKUP YOUR WAY Back up to iCloud Drive, Google Drive, or managed cloud. All backups are encrypted. Restore on any device. FREE TO START Full expense tracking is free forever. Upgrade to Pro for AI features and splits, Premium for shared rooms and budgets, or Ultra for managed AI and cloud sync. — Spendli is a privacy-first expense tracker with AI receipt scanning, bill splitting, shared rooms, trips, budgets, and encrypted backup. Free • Expense tracking with manual entry (unlimited) • 450 AI parses per month (Quick Add, Voice Add, Receipt Scanner, Statement Imports) - on top of manual adds • Local bill splits (up to 5 participants) • 2 Free permanent rooms (upto 5 members each) - share apartment, trip expenses with each other by creating virtual rooms and chat while you do it. Settle when you want (end of month, end of trip). • iCloud / Google Drive encrypted backup (local) • Widget, basic analytics Spendli Plus (paid subscription required) • 5X AI parsing — Quick Add, Voice Add, Receipt Scanner • Spending DNA — radar charts, heat maps, behavioural clusters • Budgets & Monitors with live burn-rate alerts (unlimited) • Shared Rooms and Trips with real-time sync (unlimited) • Statement Import (Excel / PDF / CSV) (unlimited) • PDF / CSV report export (unlimited) Spendli Ultra (paid subscription required) • Everything in Plus • Managed AI (Google Gemini) — no setup, no API key - • Managed Cloud Backup — encrypted, recoverable on any device, your trips, shared rooms, splits all backed up • Coming soon to Ultra - Automatic Bank Syncs - worry free spending, Spendli pulls your transactions organizes them for you. Subscription terms Subscriptions auto-renew monthly at the price shown in-app until cancelled. Cancel at any time in Apple ID → Subscriptions; cancellation takes effect at the end of the current billing period. Payment is charged to your Apple ID on purchase confirmation. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spendli-app.web.app/privacy.html Questions? Contact customer.support@microvernitech.com

Stop guessing where your money goes. Lyra logs it for you — in seconds. Lyra is the AI budget tracker that does the typing for you. Pay with your iPhone and the purchase can log itself. Snap a receipt and Lyra reads it instantly. Paste a bank SMS and Lyra turns it into a logged transaction. Then one glance at your Safe-to-Spend card tells you exactly how much is yours to spend today — after bills, savings, and goals. WHY PEOPLE SWITCH TO LYRA • Automatic Tracking — Turn it on once and purchases you make with your iPhone log themselves the moment you tap (iOS 26+). Quick guided setup — no bank login, no typing. • AI Receipt Scanning — Photograph any receipt and watch it become a categorized expense. No manual entry. • Bank SMS Import — Paste your bank's transaction text and Lyra logs it for you in seconds. No bank login, ever. • Safe-to-Spend — The single number that matters: what's actually free to spend right now, after bills, savings and goals. • Multi-Currency — Track BHD, AED, USD, EUR, GBP, INR, PHP and more in one place, including 3-decimal Gulf currencies (BHD, KWD, OMR). Built for expats, travelers, and anyone earning across borders. • AI Insights — Six coaching cards that explain your real spending like a friend who's good with money. • Savings Goals — Set a target, watch your progress, and hit it. • Bills & Reminders — Never miss a due date or pay a late fee again. • Custom Budget Periods — Budget by your payday, not the calendar month. PRIVATE BY DESIGN Lyra works fully offline and an account is optional. No bank credentials, no ads, no tracking. Optional encrypted cloud backup (Sign in with Apple), and you can delete your account and all data any time, in-app. DESIGNED FOR THE GULF AND BEYOND Multi-currency by default and bank-SMS-aware — Lyra fits how money actually works in Bahrain, the UAE, Saudi Arabia, Qatar, Kuwait and Oman, while working anywhere in the world. LYRA PRO — try the AI features with free included credits, then a simple monthly or annual plan. Unlocks AI Receipt Scan, Bank SMS Import, AI Insights and advanced analytics. Subscriptions renew automatically; cancel anytime in App Store settings. Take control of your money in seconds — not spreadsheets. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://lyra-legal.vercel.app/privacy