Spendova vs Rilio

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

Stop wondering where your money went. Rilio is the expense tracker that thinks for you. AI automatically categorises every purchase the moment you log it. No bank logins. No spreadsheets. Just clear answers about where your money is going. Full access to Rilio requires an active subscription. All features are available at subscription pricing, shown at app launch. LOG YOUR WAY 5 WAYS TO ADD A TRANSACTION Type it — "Spent 230 at Starbucks" and Rilio fills in the rest Say it — tap the mic, speak naturally, done hands-free in seconds Paste it — copy a bank SMS, and Rilio parses the amount, merchant, and account instantly Share it — forward any transaction SMS from your phone directly into Rilio Bulk import — paste multiple bank messages at once and import them all in one tap Every method auto-fills the merchant, amount, category, and payment method. You review, confirm, and move on. WHAT YOU GET AI auto-categorisation — type a merchant name, Rilio assigns the right category instantly Real-time budgets — set monthly limits per category and track live progress Deep analytics — top merchants, spending trends, weekday patterns, custom date ranges 165+ currencies — switch anytime, from INR to USD to AED to NGN and beyond AI Insights — plain-language summaries that explain your spending patterns every day HOW IT WORKS • Log a transaction in under 5 seconds: merchant, amount, done • AI categorises automatically — Swiggy becomes Food Delivery, Blinkit becomes Grocery Delivery • Set monthly budget limits per category — watch a live progress bar as you spend • Open Analytics for your 15-day or 30-day breakdown: categories, merchants, and trends • Track payment methods — know exactly which card or account each expense came from 59 CATEGORIES. EVERY KIND OF SPENDING. From Groceries to Gaming, Salary to Dividends, Rent to Healthcare, every transaction type is covered. Cash, credit, debit, or digital wallet. YOUR PRIVACY, PROTECTED Rilio never connects to your bank. No screen scraping. No credentials. AI categorisation uses only anonymised merchant names; your amounts and personal details stay private. SUBSCRIPTION REQUIRED All features in Rilio are available with a subscription. Subscription options and pricing are displayed when you first open the app. Payment is charged to your Apple ID account at confirmation. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://getrilio.com/privacy Terms of Use (EULA): https://getrilio.com/terms