Spendova vs Centsei

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

Centsei is a private, offline-first expense tracker built for people who just want to know where their money goes — without handing their financial life to a cloud server. YOUR DATA STAYS YOURS • Everything is stored on your device. No sign-up, no login, no account required. • No ads. No trackers. We never see your numbers. • Optional cloud sync is end-to-end encrypted with a code only you hold — even we can't read it. FAST, HONEST MONEY TRACKING • Add an expense or income in seconds with clean, tappable categories. • Built for Malaysian Ringgit (RM) with proper formatting — amounts are always calculated to the exact cent. • Beautiful monthly reports: spending, income, balance, and a category breakdown at a glance. BUDGET & PLAN • Set a monthly budget and get a gentle nudge before you overspend — overall and per category. • Recurring expenses auto-fill each month, so rent and subscriptions are never forgotten. • A 6-month trend shows whether you're heading the right way. FIND ANYTHING • Search and filter your entries instantly. • Tap any category to drill into its line items. PRIVATE BY DESIGN • Lock the app with a PIN. • Works fully offline — open it on a plane, in the basement, anywhere. • Export your data anytime as JSON or CSV. It's your money; it's your data. BILINGUAL • Full Traditional Chinese and English — switch any time. Centsei is designed to be the calmest, most private money tracker on your phone. Open it, log it, get on with your day.