ClearSpent vs Caltrix UAE

Kitna is the first financial agent built around consent. You talk. Kitna proposes the exact action. You tap to approve. Nothing happens until you do. Not a single peso moves, not a single transaction is logged, not a single budget updates without your explicit yes. Tell. Trust. Track. That's the flow. Faster than a form, safer than "set and forget." WHAT KITNA CAN DO FOR YOU - Log any transaction by voice or text — "I spent 500 on groceries at SM today" becomes a proposed entry with the right merchant, category, account, and currency. - Create, update, and delete transactions, budgets, categories, and accounts — only after you approve each one. - Move money between accounts with a two-tap confirmation. - Answer questions about your spending — "how much did I spend on food this month?" — with no changes to your data. - Speak English, Tagalog, or Taglish. Whichever feels natural. WHAT CLEARSPENT SHIPS BEYOND THE AGENT Budgets + envelopes. Category budgets with envelope-style tracking. Live progress bars and gentle warnings before you overshoot — not after. Subscriptions + recurring transactions. Netflix, Spotify, gym, rent, insurance — log once, ClearSpent tracks them forever. See total monthly commitments at a glance. Installments + loans. Track BNPL, credit card installments, and personal loans with full amortization. Always know what's left to pay. Transfers between accounts. Two-tap confirmation. Balances update on both sides. No duplicate entries. Smart AI categorization. Imported transactions get auto-categorized. One tap to correct — and it learns. Monthly AI insights. A readable breakdown of where your money went and what changed from last month. 10 currencies, one app. PHP, USD, EUR, JPY, GBP, AUD, SGD, HKD, KRW, CNY with live rates. Foreign accounts stay in their native currency. Built for OFWs and anyone earning in more than one currency. Offline-first PWA architecture. Add transactions on the MRT, in the province, on a plane. Everything syncs when you reconnect. You never lose data to bad signal. Shared groups. Household finances, barkada trips, small business — create a group, add members, and everyone shares the same budgets and transactions. Clean permissions. Personal money stays personal. Voice input + PDF import. Talk to Kitna (20 voice logs per day, free). Or drop in a BPI, BDO, UnionBank, GCash, or Maya statement PDF and let ClearSpent parse and categorize every line. Wealth tracker + auto snapshots. Net worth across every account with automatic daily, weekly, and monthly snapshots. Watch your trajectory over time. Investment portfolio. Log holdings, track gains and losses, see the full picture. MP2 + Time Deposit calculators. Compare Pag-IBIG MP2 returns against BPI, BDO, UnionBank, Security Bank, and Metrobank time deposits before you commit capital. Spending summaries + push notifications. Optional daily and weekly roundups. Turn off anytime. Custom categories, dynamic fields, dashboard layouts, dark mode. Make it yours. THE TWO PROMISES THAT MAKE ALL OF THIS SAFE Consent-first. Every Kitna action is a proposal you must approve. No background actions. No silent changes. No "set and forget." Private by default. Your data is never sold, never shared, never used to train public AI models. Ever. Free to try. Cancel anytime. Your money, your move. clearspent.com

Caltrix UAE is the smartest financial companion for anyone living, working, investing, or running a business in the United Arab Emirates. Every calculator, every rate, every formula, and every workflow is designed specifically for how money works in the UAE. FINANCE SUITE Your personal AED finance dashboard. Track income, expenses, collections, subscriptions, and payments — all in one place. Scan receipts, manage recurring entries, organize category budgets, monitor savings, and export clean CSV reports. Built for freelancers, business owners, professionals, families, and residents who want complete visibility over their finances. CIRCLE — SHARED FINANCIAL GOALS Achieve financial goals together with partners, friends, or family members. Create shared savings goals, track contributions, monitor progress together, and stay aligned on milestones that matter. SMART DECISIONS Go beyond calculations. Caltrix includes guided financial decision flows that help you think through real-life choices — property purchases, renting vs buying, loans, affordability, and investments — so you walk away with clarity, not just numbers. PLUS & PREMIUM FEATURES Unlock advanced tools, premium workflows, enhanced finance tracking, and powerful productivity features designed for users who want deeper financial control and planning capabilities. 50+ UAE-SPECIFIC CALCULATORS Finance & Banking - Loan & EMI — mortgage, car, and personal loans using UAE banking conventions - UAE VAT — instantly add or remove 5% - Corporate Tax (9%) with Small Business Relief & QFZP support - Gratuity & Final Settlement — UAE Labour Law compliant - Gold & Silver — live AED spot pricing - Zakat — accurate nisab-based calculations Property - DLD Fee & Property ROI - Off-Plan vs Ready Comparison - RERA Calculator - Free Zone vs Mainland Cost Analysis Investment - SIP, Mutual Fund & CAGR Returns - Fixed Deposit, RD & Compound Interest - Risk-Return Portfolio Analysis Everyday Utilities - Currency Converter with live AED exchange rates - Date Calculator, Unit & Length Converters - Cash Note Counter & Percentage Tools - Amount to Words in AED format REMINDERS & ORGANIZATION Never miss visa renewals, Emirates ID expiry, tenancy contracts, subscriptions, bill payments, or important life events. Set reminders and stay ahead of every deadline. LIVE MARKET DATA Access real-time exchange rates across USD, EUR, GBP, INR, and multiple global currencies, along with live AED gold and silver pricing. BUILT FOR THE UAE AED-first experience. UAE Labour Law gratuity calculations. FTA-compliant VAT workflows. DLD and RERA fee structures. Banking formulas aligned with how UAE banks actually calculate repayments and interest. Caltrix UAE — Where Every Dirham Has Direction.