Fincio vs SpendGrid

Meet your personal AI CFO. Fincio tracks every account, scores your financial health, and gives expert money advice through natural conversation. Budget smarter, cut debt faster, and build real wealth — in 160+ currencies. WHETHER YOU'RE PAYING OFF DEBT, BUILDING AN EMERGENCY FUND, OR GROWING YOUR NET WORTH, FINCIO GIVES YOU THE FINANCIAL CLARITY YOU DESERVE. YOUR AI CFO — ALWAYS ON CALL Stop guessing. Your AI CFO knows your full financial picture: every account, the last 90 days of transactions, your goals, and your health score. Ask anything. - "Am I on track to pay off my credit card by June?" - "Where did most of my money go last month?" - "Add groceries $120, coffee $8, gym $50" Your AI CFO can even log multiple transactions in one message — just say what you spent. No more tedious manual entry. Free plan: 3 AI conversations per day Pro plan: Unlimited conversations, deeper analysis FINANCIAL HEALTH SCORE — KNOW WHERE YOU STAND Your 0–100 Financial Health Score is calculated from three proven metrics: - Savings rate - Debt-to-income ratio - Emergency fund coverage Color-coded and updated in real time. Green means you're thriving. Red means your AI CFO has actionable advice waiting. DASHBOARD — YOUR WEALTH AT A GLANCE Everything important, in one view: - Net worth across all your accounts - 6-month cash flow bar chart (income vs. expenses) - Debt overview and payoff progress - Financial goal tracking with progress bars - AI insight cards surfacing what matters most FULL ACCOUNT MANAGEMENT Add and manage every account type: - Checking and savings - Credit cards - Loans and mortgages - Investments and retirement accounts Transfer money between accounts with a tap. Your net worth updates instantly. TRANSACTION TRACKING, YOUR WAY Log income, expenses, and transfers with full detail. Then find anything fast: - Filter by date range, category, or account - Search transactions by merchant or keyword - Category manager to organize spending your way REPORTS THAT REVEAL THE FULL PICTURE Stop wondering where your money goes. Fincio gives you: - Income vs. expenses over time - Category spending breakdown - Monthly trend analysis - Net worth history chart See the story behind your numbers, not just the numbers. BUILT FOR THE ENTIRE WORLD Fincio is designed for everyone, everywhere: - 195 countries supported - 160+ currencies with live-accurate formatting - Country-aware AI advice (retirement accounts, tax systems, local financial norms) Whether you earn in USD, GBP, INR, or AED — Fincio speaks your financial language. FINANCIAL GOALS — PROGRESS YOU CAN SEE Set goals for anything: emergency fund, holiday, down payment, debt payoff. Visual progress bars and AI coaching keep you motivated and on track. PRIVACY YOU CAN COUNT ON Your financial data is yours. Fincio does not sell your data, share it with advertisers, or use it to train AI models. All data is encrypted in transit and at rest. You can delete your account and all associated data at any time from within the app. PREMIUM — FINCIO PRO Start free with 2 months on us — full Pro access, no charge until your trial ends. Pro Weekly: $1.99/week Pro Monthly: $4.99/month Pro Annual: $49.99/year (save 17%) Pro includes: Unlimited AI CFO conversations, full reports suite, advanced filtering, and priority access to new features. Subscriptions are managed through your Apple ID. Cancel anytime in Settings > Apple ID > Subscriptions. Payment is charged at confirmation of purchase. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Privacy Policy: https://fincio.pointerapps.net/privacy Terms of Use: https://fincio.pointerapps.net/terms

SpendGrid: Expense Tracker Take control of your money with SpendGrid — your clean, modern daily budget & expense tracker built for iOS. SpendGrid makes it effortless to log every income and expense, understand where your money goes, and stay on top of your monthly budget. With a beautiful iOS-native interface, powerful insights, and flexible storage options, it's the perfect companion for everyday personal finance. KEY FEATURES • Fast Transaction Logging Add income and expenses in seconds with titles, amounts, dates, and categories. Edit or delete entries anytime, right from your transaction history. • Smart Categorization Start with pre-seeded categories for food, bills, transport, subscriptions, and more — then customize or create your own with personal color labels. • Calendar View (Pro) Browse your spending day by day with a full calendar layout. Tap any date to see exactly what you spent and earned. • Budget Tracking (Pro) Set monthly budgets per category and track your progress in real time. Timeline budgets keep you accountable all month long. • Clear Monthly Overview See total income, total expenses, and current balance at a glance. Quickly jump between months and track progress over time. • Daily Spending Breakdown View transactions grouped by day with per-day totals so you can pinpoint exactly when and where your money is going. • Rich Visual Insights (Pro) Explore charts and summaries that highlight spending trends, overspending areas, and saving opportunities — all in one place. • Import & Export Import transactions from CSV or export your full history in CSV format via the system share sheet — great for backups, tax prep, or sharing with an accountant. • Private & Local by Design Your transaction data is stored locally on your device by default for fast performance and full control over your personal finances. • Custom Currency & Themes Choose from 100+ currencies with a searchable full-screen picker. Enjoy Dark Mode support with a modern, clean layout. --- SPENDGRID PRO Unlock the full SpendGrid experience with a Pro subscription: • iCloud backup & restore to keep your data safe across devices • Unlimited budgets per category • Access to Calendar View, Visual Insights, and all Pro features Try Pro free for 7 days. Plans available monthly, annually, or as a one-time lifetime purchase. --- Whether you're tracking a daily budget, managing bills, monitoring income, or planning savings, SpendGrid gives you the clarity you need to make smarter money decisions every day. --- Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kachhiyadhruvit1992.github.io/ExpenseTrackerProWeb/privacy.html