Vitmora vs FinanceToolkitt

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.

Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads. WHY PEOPLE SWITCH • No account or sign-up — open the app and start • Your data stays on your device; iCloud sync is optional and yours to control • No ads, no trackers, no bank logins • Works fully offline VOICE AND SIRI EXPENSE ENTRY Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts. 19 FINANCIAL CALCULATORS Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results. AMORTIZATION THAT ACTUALLY HELPS Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV. EXPENSE TRACKER • 27 categories with tags and notes • Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised • Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections • Pie charts, monthly and yearly views, search and filters • Multi-select and batch delete • Export as PDF or CSV MONTHLY OUTFLOW AND PAYMENT REMINDERS Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself. INVESTMENT TRACKER FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported. IMPORTANT DOCUMENTS Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where. WIDGETS Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen. SECURITY Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher. BUILT FOR MORE THAN ONE COUNTRY 11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP. 9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR. ALSO INCLUDED Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import. Requires iOS 18.