Spendcast vs Payday Buckets

Spendcast is the privacy-first budgeting app that never sees your data. Every penny you track stays on your device -- no cloud servers, no bank logins, no third-party data sharing. Ever. SMART BUDGETING, ZERO COMPROMISE - Safe-to-Spend: Know exactly how much you can spend each day until payday - Unlimited Budgets: Track spending by category with color-coded progress bars - Bill Calendar: Visual monthly grid shows when every bill is due - Recurring Rules: Auto-log bills and income so you never miss a payment LOG TRANSACTIONS YOUR WAY - Manual Entry: Quick, clean transaction logging - Receipt Scanner: Snap a photo and let OCR extract the merchant, amount, and date - Barcode Scanner: Scan product barcodes for instant logging - Voice Logging: Just say "spent $12 at Starbucks" and Spendcast handles the rest - Quick Categories: 19 built-in categories with 90+ auto-categorization rules that learn from you AI-POWERED INSIGHTS - AI Chat Assistant: Ask questions about your spending in plain English -- all processed on-device - What-If Planner: Simulate cutting categories or boosting income and see 12-month projections - Spending Predictions: See where your month is heading before it gets there - Anomaly Detection: Get alerted to unusual charges and potential duplicates - Subscription Tracker: Find forgotten subscriptions costing you money - Financial Health Score: Get graded A-F across 5 financial health components REACH YOUR GOALS - Savings Goals: Track progress toward vacation, emergency fund, or any target - Debt Payoff Engine: Snowball or Avalanche strategies with interactive extra-payment slider - 15 Achievements: Gamified motivation from "First Step" to "Centurion" (100-day streak) - Net Worth Tracking: See your full financial picture -- assets vs. liabilities WORKS EVERYWHERE - Home Screen Widgets: Glance at safe-to-spend, streaks, and budget progress - Lock Screen Widgets: Key numbers always visible - Apple Watch App: Quick-log transactions from your wrist - Siri Shortcuts: "Hey Siri, log an expense in Spendcast" - iCloud Backup: Optional encrypted backup to iCloud COUPLES MODE Tag accounts as Mine, Partner, or Joint to manage shared finances while keeping individual spending private. YOUR DATA, YOUR RULES - 100% on-device storage (Apple SwiftData) - Zero cloud servers - Zero bank credential requests - AI runs locally -- no API calls - CSV export for full data portability - Delete the app = delete all data. Permanently. Spendcast Premium unlocks unlimited budgets, AI Chat, What-If Planner, Debt Payoff, receipt scanning, and more for just $59.99/year -- the lowest premium price in the category. Terms of Use: https://spendcastapp.com/terms.html Privacy Policy: https://spendcastapp.com/privacy.html

Tired of spreadsheets, sticky notes and paycheck guesswork? Payday Buckets answers one simple question: “What do I move this payday?” Set up the bills, savings goals and irregular expenses you want to plan for. Tell Payday Buckets when you get paid, and it calculates what to set aside in each bucket every payday. Use it for sinking funds, envelope budgeting, sub-savings accounts, bill planning, subscriptions, yearly expenses, savings goals and everyday categories. WHY PAYDAY BUCKETS • Plan around your real pay cycle — weekly, biweekly, monthly, twice monthly, or a custom interval. • Built for buckets and sinking funds, not endless transaction tracking. • Know what to move each payday before the money disappears. • No bank login required. • Your data is stored locally on your device. • iCloud sync keeps your iPhone and iPad up to date using your private iCloud account. • Designed for people who already use separate accounts, buckets or savings spaces and want a simple way to manage them. HOW IT WORKS 1. Create the buckets that matter — bills, savings goals, subscriptions, irregular expenses and everyday categories. 2. Choose how each bucket should be funded — by due date, fixed amount, top-up to target, or manual. 3. On payday, run your payday plan. 4. Payday Buckets shows exactly what to move into each bucket. 5. Mark bills as paid and keep your bucket balances up to date. FEATURES • Guided Simple Mode for quick bucket setup • Advanced editor for detailed bucket planning • Weekly, biweekly, monthly, twice-monthly and custom pay schedules • Smart payday plans for bills, savings goals, subscriptions and irregular expenses • Scheduled transactions for recurring bills, income and transfers • Upcoming bills view with overdue, 7-day, 30-day and later sections • Insights for bucket forecasts, monthly outlook and budget balancing • Payday plan history • Local reminders for payday, bills, transfers and underfunded buckets • Rename, recolor and organize categories • iCloud sync across iPhone and iPad • Light, Dark and System themes • Dynamic Type and VoiceOver support • CSV export and JSON backup PREMIUM Payday Buckets is free to try with up to 5 active buckets. Upgrade to Premium for: • Unlimited active buckets • Unlimited scheduled transactions PRIVACY Payday Buckets does not require bank access. Your budgeting data is stored locally on your device. If you turn on iCloud sync, your data syncs through your private iCloud account, not through a Payday Buckets budgeting server. SUPPORT Questions or feedback? Get in touch from Settings → About inside the app. Stop guessing what to set aside. Start every payday with a clear plan. What’s New 1.0 First release of Payday Buckets! Plan each payday around your bills, savings goals, subscriptions and sinking funds. • Create buckets for the things you need to fund • Set your pay schedule • Run a payday plan to see what to move into each bucket • Track scheduled bills and recurring transactions • View upcoming bills and bucket forecasts • Sync across iPhone and iPad with iCloud sync • Export your data with CSV and JSON backup Thanks for trying Payday Buckets — your feedback will help shape what comes next.