WiseSpend vs Prosperae

WiseSpend helps you take real control of your credit cards in one place. Track balances, statement debt, key due dates, and installment purchases with a clean, easy-to-understand view. If you want less guesswork and more clarity every month, WiseSpend is built for you. What you can do with WiseSpend: • Add and organize your credit cards • View used balance, credit limit, and statement debt • Check statement closing and payment due dates per card • Add transactions quickly • Edit or delete transactions anytime • Track installment purchases in detail • See payment progress, monthly amount, and remaining balance • Review recent activity and transaction history by period • Mark cards as paid to keep data up to date • Protect access with Face ID and/or PIN • Choose your preferred app theme (light, dark, or system) Built for clarity and control WiseSpend is designed to give you useful context, not just numbers. With a visual overview of your cards and activity, you can quickly understand what you owe, what’s coming next, and how your monthly commitments are evolving. Privacy and security Your data stays yours. You can protect app access with Face ID or PIN for an extra security layer. Great for: • People who use one or multiple credit cards • Anyone managing installment purchases • Users who want to avoid missed payments and stay organized • Anyone who wants a clearer day-to-day view of their credit Make smarter credit decisions, reduce financial stress, and stay in control with WiseSpend. Terms of ​Use (​EULA): https://www​.apple​.com​/legal​/internet​-services​/itunes​/dev​/stdeula/ Privacy Policy: https://getwisespend.com/privacy.html

Your money, finally clear. Prosperae turns everyday spending into charts you can act on — without ever asking for your bank password. No account, no sign-up, no cloud sync. Open it and start. WHY PEOPLE SWITCH • No bank login, ever. Your financial records stay on your iPhone. • Zero setup. Categories, icons and analytics work out of the box. • Built for real life: multiple currencies, cards, debts and recurring bills. LOG AN EXPENSE IN SECONDS • Speak it — say the amount and what it was for, and it's saved. • Scan it — photograph a receipt and let the amount and date fill themselves in, on-device. • Import it — CSV, Excel, PDF or a photo of your statement. Review every row before it saves. • Or just tap it in. Recurring entries repeat themselves. SEE WHERE IT ACTUALLY GOES Other apps hand you a list. Prosperae shows you the shape of your money: • Sankey flow — income in, spending out, at a glance • Heatmap — the days and weeks you overspend • Treemap and Sunburst — the categories that really dominate • Waterfall — what moved your balance this month • Net worth progression, cash flow forecast and savings rate trend STAY AHEAD OF THE MONTH • Budgets by period, with progress and overspend warnings • Bills and subscriptions with due dates and reminders • Credit cards with statements and billing cycles • Debts with a payoff projection, so you can see the finish line • Calendar view of everything coming up • Home Screen widgets: balance, budget progress, cash flow, upcoming bills PRIVATE BY DESIGN • No sign-up, no email, no password • No bank connection and nothing to link • Your data is encrypted on your device • Optional Face ID, Touch ID or PIN lock • Works completely offline PROSPERAE PREMIUM • Unlimited accounts, cards, budgets, bills and debts • Unlimited receipt scans and voice entries • Statement import from CSV, Excel, PDF and photos • Bill reminders and notifications • Daily exchange rates for multi-currency tracking • Encrypted backup and CSV export • Receipt and photo attachments • Chart export • App lock with Face ID, Touch ID or PIN Your finances, clearly. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ App Terms: https://prosperae.app/legal/terms-of-use.html Privacy Policy: https://prosperae.app/legal/privacy-policy.html