Spendova vs Hiyo

Spendova is a beautifully designed personal finance tracker that keeps everything on your device. No accounts, no servers, no cloud — just you and your money. TRACK INCOME & EXPENSES • Add transactions with categories, dates, and notes • Support for recurring income and expenses: weekly, monthly, quarterly, yearly • Installment tracking for split payments (Klarna, Afterpay, and more) • Swipe to delete with one gesture • Running balance so you always know where you stand SET BUDGETS & STAY ON TRACK • Create budgets for any combination of categories • Visual progress bars show spending vs. limit at a glance • Get notified at 80% and 100% of your budget • Monthly budget history to track trends over time SAVE TOWARD GOALS • Set savings goals with target amounts and deadlines • Track contributions and see your progress grow • Milestone notifications at 25%, 50%, 75%, and 100% FORECAST YOUR FINANCES • See projected balances for 1, 3, 6, or 12 months ahead • Beautiful line and bar charts for visual insights • Understand where your money is going — and where it will be OFFLINE-FIRST & PRIVATE • All data stays on your device — nothing leaves your phone • No accounts, no emails, no sign-ups • Consent-based analytics and ad attribution may be used to measure app performance • Encrypted backup files (AES-256) for safekeeping • Delete the app and everything is gone — no traces THOUGHTFULLY DESIGNED • Dark and light themes that follow your system • Available in 5 languages: English, French, German, Spanish, and Arabic • Full right-to-left support for Arabic • Interactive tutorial to get you started in minutes • Built-in FAQ with 13 helpful topics PREMIUM (OPTIONAL) • Unlimited budgets and custom categories • Savings goals with milestone tracking • Extended analytics and forecasts • Choose from Monthly, Yearly, or Lifetime plans • Restore purchases on any device Your finances deserve an app that respects your privacy. Spendova — simple, private, powerful. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://atacand1920.github.io/Spendova/privacy-policy.html

Hiyo helps you track daily expenses so you can manage your money with confidence. TRACK YOUR SPENDING • Log expenses and income quickly with the built-in calculator • Organise by categories, sub-categories, and labels • Attach transactions to multiple accounts • Set up recurring transactions for bills and subscriptions MANAGE YOUR BUDGET • Set monthly budgets per category • Visual charts: bar chart, donut chart, and balance sheet • See upcoming recurring transactions at a glance • Filter, search, and sort your transaction history SHARED BOOKS • Create multiple expense books (personal, family, business) • Share a book with family members via Google Drive • Real-time collaboration with write-lock protection • Automatic sync every 45 seconds BACKUP & RESTORE • Back up your data to Google Drive with one tap • Restore on any device instantly FREEMIUM • 30 free transactions to get started • One-time $4.99 unlock for unlimited transactions — no subscription ever Hiyo is built for people who want a simple, private, and powerful expense tracker without a monthly fee.