SpendNest App vs Paranova

SpendNest is your smart, all-in-one bill and expense tracker designed for modern households. Whether you're managing rent, utilities, subscriptions, or insurance — SpendNest keeps everything organized in one place. TRACK EVERYTHING Add any recurring expense — electricity, gas, internet, Netflix, car insurance, mortgage and more. Set due dates, amounts and categories. Mark bills as paid with a single tap and never miss a payment again. MULTIPLE HOUSEHOLDS Manage separate households in one app — your home, a rental property, a shared apartment or a vacation house. Each household has its own bill list, statistics and widget. SMART TEMPLATES Create templates for your recurring monthly bills and let SpendNest load them automatically at the start of each month — for every household, without lifting a finger. BEAUTIFUL WIDGETS See your monthly overview right on your home screen. The SpendNest widget shows your total expenses, paid amount, outstanding balance and your next upcoming bill. Supports both small and medium sizes, and automatically rotates between households. DETAILED STATISTICS Get a clear picture of your monthly spending with category breakdowns and payment progress. Track which bills are paid, which are outstanding and how much is left for the month. ICLOUD SYNC Your data syncs automatically across all your Apple devices. Add a bill on your iPhone and see it instantly on your iPad or Mac. THEMES & CUSTOMIZATION Choose from four beautiful visual themes — Colorful, Glass, Neon and Fresh. Switch between Hungarian and English at any time. SPENDNEST PRO Unlock the full experience with SpendNest Pro: - Unlimited households - Unlimited bills - Medium widget - Full statistics - All future features Try free for 7 days. Available as monthly, yearly or lifetime purchase. Family Sharing included with subscription plans. SpendNest is free to download. A Pro subscription is required for full access to all features. --- Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://lupezhc.github.io/privacys/privacy.html

Two ledgers, one app: your personal budget and your business books. Log income and expenses in one tap and keep your budget on track; for your business, keep customers on account, write invoices, and watch payments come in. Ad-free. PERSONAL — free • Income & expense tracking — categorize every transaction • Accounts & cards — manage multiple accounts in one place • Budgets — set category budgets and get alerts when you overspend • Savings goals — watch yourself get closer to what you want • Recurring transactions — auto-log rent, salary, and bills • Subscription tracking — never forget Netflix, Spotify and more • Debts & loans — installment plans and early payoff amounts • Reports & charts — clearly see where your money goes • Smart insights — tips about your spending habits • Multi-currency — each account in its own currency • Face ID / PIN lock — keep your finances private BUSINESS — for shops, freelancers, small companies and teams • Contacts on account — customer and supplier balances on one screen; share a statement, send a reminder over WhatsApp or SMS • Invoices & quotes — automatic numbering, VAT and withholding; turn a quote into an invoice in one tap • Receivables — open and overdue totals on your home screen • Team & roles — invite your team; staff report expenses with a receipt, you approve • Cash register — opening, count, difference • Tax calendar — VAT, withholding and provisional tax periods • Stock — issuing an invoice moves stock; low-stock warnings • Time entries — bill your hours to an invoice • Staff advances & payroll records • Business report & accountant export — share the period's invoices as CSV AI — with your account, free for now • Scan receipts — take a photo; amount, date and category fill in • Purchase invoices — supplier, line items and VAT from a photo, PDF or e-invoice XML • Bank statements — CSV, Excel and PDF; balance check, duplicate removal, category suggestions • Loans from a repayment plan — pick your bank's plan and the loan form fills in • Monthly review — what changed this month, in a few points Nothing is written to your ledger until you save. Your documents are analyzed, not stored. ACCOUNT & CLOUD SYNC Open a free Paranova account and your data is backed up to the cloud and synced across your devices — switch phones and nothing is lost. The business ledger and team features run on your account. You can also start without an account and move your records over when you sign up. PRIVACY Your data is stored on our servers in Turkey and travels over an encrypted (HTTPS) connection. It is never sold, never used for ads, never shared with third parties. Without an account, your records stay on your device. Receipt photos are kept on your phone; documents you have read by AI are analyzed and not stored. You can delete your account and your data from inside the app at any time. Business modules are free for the length of the beta. WHO IS IT FOR? Anyone who wants to see where their money goes — and anyone running a shop, a freelance practice or a small company from their phone. Contact & support: info@paranovaapp.com