Vitmora vs Ferla

Vitmora – AI Expense & Income Tracker Track income and expenses like sending a message. Vitmora helps you record money, manage budgets, and understand your financial activity. Type or speak what you spent or earned, and AI turns your words into organized transaction records. No bank linking. No SMS access. You choose what to record. TRACK MONEY IN YOUR OWN WORDS Skip the complicated forms. Record everyday expenses and income naturally: “Paid 20 for lunch in cash” “Spent 85 on groceries and 30 on dinner” “Received my salary of 3,200” “Earned 500 from a freelance project” Vitmora helps identify the amount, category, payment method, and other details from your message. Review your entries and edit them whenever needed. • Track both expenses and income • Type or use voice input • Capture multiple transactions in one message • Organize records into categories • Review, edit, or delete individual entries INCOME TRACKING, NOT JUST EXPENSES Keep your earnings alongside your spending. Record salary, freelance payments, and other income to build a clearer picture of your recorded finances. Use Vitmora as an expense tracker on its own, or add income to review both money coming in and money going out. ASK VITMORA ABOUT YOUR MONEY Explore your financial records through conversation with Ask Vitmora, your in-app AI assistant. Ask questions such as: “How much income did I record this month?” “Where did I spend the most this month?” “How has my spending changed over three months?” “How much did I spend on groceries last month?” “How does my spending compare with my budget?” Get summaries, comparisons, and breakdowns based on the records you have added. Follow up with another question to explore the details. Ask Vitmora has a daily usage allowance, shown in the app. AI responses can contain mistakes, so verify important financial information. BUDGETS THAT CONNECT TO YOUR SPENDING Set an overall monthly budget and category budgets, then review how your recorded expenses compare. • See how much of your budget you have used • Review remaining budget amounts • Track spending against category limits • Adjust budgets as your plans change Budget figures reflect your recorded activity. They are not your bank balance or a guarantee of what you can afford. UNDERSTAND YOUR SPENDING Look beyond individual purchases to see where your money goes. • Review spending by category • Explore trends over time • Identify your largest spending categories • Compare recorded income and expenses • Find transactions through search and filters Keep everyday purchases, bills, travel costs, shopping, and earnings organized in one place. TYPE OR SPEAK Use the input method that suits the moment. Type a quick message or speak your expense or income, then review the captured details. Natural-language entry makes it easier to keep recording money without completing a separate form for every transaction. CHOOSE YOUR CURRENCY Choose your preferred currency for expenses, income, budgets, and financial summaries. Currency support makes Vitmora useful for everyday tracking across different countries. NO BANK CONNECTION OR SMS ACCESS REQUIRED Vitmora works with the financial information you choose to enter. • No bank account connection required • No SMS reading required • No automatic bank transaction scraping • Review and manage the transactions you record AI-powered features process your submitted information to organize entries and answer questions about your records. See our Privacy Policy for details. MAKE MONEY TRACKING A DAILY HABIT From a small purchase to your monthly salary, record money the way you naturally describe it. Track income and expenses. Keep your budgets in view. Understand your records with Ask Vitmora.

Making money is hard. Keeping track of it shouldn't be. Ferla turns recording into a one-second job: say it, or scan the receipt, and it writes the rest. So at the end of the month you don't guess — you know. It works for everyone. Simple to start, deeper when you want it. Use it for your own budget, or for your own business. If you work for yourself, income, expenses and payments live in one place, without a separate accounting tool. SAY IT, IT'S LOGGED Say "forty dollars on groceries" and Ferla writes it down. The voice and chat assistant picks the amount, the category and the account. No forms. If it mishears you, tell it and it fixes it. Nothing is saved until you confirm. No bank login, no account linking — you stay in control of what goes in. SNAP THE RECEIPT Point the camera at a receipt. Amount, date and merchant fill themselves in. You're done before you leave the counter. SPENDING LIMITS Set a monthly limit for any category. Ferla warns you as you get close, not after you've gone over. SPENDING MAP See where your money actually goes, on a map. Which neighborhood, which place, how much. Location is only used if you turn it on and is never shared. CHARTS AND INSIGHTS Monthly income and spending, category breakdown, six-month trends and your savings rate in one place. Every day Ferla spots what changed and tells you, like "dining is up 23% this month". These are observations about your own data, so you catch things early. KEEP THE DEBT TOGETHER Money between friends doesn't have to live in one person's head. If the other person also uses Ferla, you send an invite link and you both see the same ledger, each from your own phone. One side records it, the other confirms. The payer reports a payment, the receiver confirms it. If your numbers differ, both stay side by side and the app takes no side — who's right is for the two of you to settle. That's what ends the "but I gave you fifty" argument: one record both of you can see. DEBTS AND CREDITS Who you owe, who owes you, partial payments and what's left, all in one list. GOALS A holiday, an emergency fund, a new phone. Set the goal and Ferla tracks the progress. RECURRING PAYMENTS Rent, bills, subscriptions. Enter once and it repeats every month, with a reminder before it's due. SHARED BUDGET Keep a household budget with your partner or flatmates. Who spent what is visible in one record. Money never moves through Ferla. GOLD AND CURRENCIES Gold, dollars, euros. Every entry keeps the rate of the day it was made, so last month's totals don't change overnight. PRIVATE Face ID or fingerprint lock. Your records are stored in the European Union. No ads, no data selling. Ferla is a personal income, expense and budget ledger. It is not a bank, it does not connect to your bank account and it does not transfer money. Summaries and insights are for information only and are not financial, investment or tax advice. AI can be wrong; check a figure before you rely on it.