Payto vs Monoline

Track your spending, grow your savings. Just say it out loud. AI sorts the category and saves it instantly. Every day, AI analyzes your habits and cheers you on. [ Record by Talking ] Say "lunch 7 dollars" or "three items at the convenience store." Speak or type naturally, and AI figures out the amount, category, and date. No need to pick a category yourself. [ Choose Your AI Personality ] Pick from 6 styles that match your vibe. Friendly Coach - warm encouragement Devil Mode - harsh truth when you need a push Strict Teacher - focused on hitting your goals Best Friend - relatable, casual, and real Wall Street Trader - ROI and opportunity cost breakdowns Minimalist - numbers and facts only Ask anything. How much did I spend on coffee this month? If I save 300 dollars a month, how much will I have in a year? Your AI answers right away. [ Monthly AI Deep Analysis ] Find out where you spent the most and where you wasted money. Get a full report with category breakdowns, last month comparisons, and saving tips. [ Together With Family and Partners ] Manage finances together with your partner, roommate, or family. Join with a single invite code and see who spent what in real time. [ Key Features ] - Voice and natural language input - AI chat assistant - Daily AI insight card - Monthly AI deep analysis report - 150+ detailed spending categories - Automatic fixed expense tracking - Monthly budget and reminder alerts - Installment payment tracking - Shared budget (invite members) - Dark mode [ Free to Start ] Core features are completely free. Start today and find out exactly where your money is going. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://payto.work/privacy

One line is all it takes. Write "lunch burrito 12" the way you'd text a friend, and Monoline fills in the amount, category, and place. No forms, no endless setup. • One-line entry — write naturally, it gets sorted • Several at once — "coffee 4.5, subway 2.75" becomes two entries • Voice — tap the mic and say it; fix the transcript right there • Receipts — snap one or several photos, items and totals are read for you • Shared ledgers — one invite link and your partner or family logs into the same ledger; see who added what • Day — one photo and one line about today, with an AI look-back at the end of the month • Ask AI — ask anything about your spending, answered from your own entries • Reports — monthly and yearly reports of tables and charts, built from your own entries • Foreign currency — write "¥1,200" and it converts at that day's rate, original kept in the memo • Separate ledgers — travel, emergency fund, each with its own currency; period ledgers for trips and events • Clean stats — spending by category and by month at a glance • iCloud Drive backup — restore after a new phone or a reinstall • No account needed — your entries live on your phone; sign in only when you share a ledger Start right away. No sign-up. Monoline Plus (optional subscription): unlimited ledgers and Apple Pay auto-record — payments logged through a Shortcut even when the app is closed. The free app keeps everything above, including AI chat, reports and shared ledgers, with 2 ledgers and a 10-entry auto-record trial. Monthly or yearly, cancel anytime in Settings. Questions: contact@plien.io Terms of Use: https://plien.io/spent/en/terms Privacy Policy: https://plien.io/spent/en/privacy