SpendByMe vs Finfolio

Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Finfolio is your all-in-one personal finance companion — track every bill, grow your wealth, and understand your spending, all in one beautifully simple app. Whether you're managing credit card dues, SIP investments, insurance renewals, FDs, or your family's net worth — Finfolio puts everything in one place, works offline, and keeps your data private. BILLS & SUBSCRIPTIONS Never miss a payment again. Track credit card dues, EMIs, insurance premiums, LIC policies, utility bills, OTT subscriptions, and more. Finfolio reminds you before every due date — days, weeks, or months in advance. • Smart reminders with custom lead time • Location-based alerts — remind when you arrive at a place • Auto-advance due dates after payment • Overdue detection with badge alerts • Duplicate bill detection before saving • Full payment history per task WEALTH & NET WORTH Know exactly where you stand financially at any moment. • Real-time net worth calculation across all assets and liabilities • Net worth trend chart over time • Mutual Fund SIP tracking with cumulative invested amount and CAGR projection • Inflation-adjusted SIP returns • Gold tracking (physical + digital) with live price per gram • Fixed Deposit tracker with maturity calendar and early alerts • Property, vehicles, and other assets • 80C Tax Saving Tracker — visualize progress toward ₹1.5L limit (PPF, NPS, SIP, FD) • Bill amount history sparkline for every investment row • Debt payoff progress bars for liabilities • Family member profiles — separate view per person BUDGET & INSIGHTS Understand your spending patterns and stay on track. • Monthly category budgets with live vs. actual comparison • 6-month spending trend chart with average line and highest/lowest callout • Predicted overspend alert — get notified when your pace exceeds last month by 10% • Savings rate tracker • Income logging (salary, rent, freelance, and more) • Surplus transfer to bank balance • Spending breakdown by category DOCUMENTS Keep all your financial documents safe and organized. • Scan and store receipts, bills, and financial statements • PDF viewer built in • Folder organization • Share documents with collaborators via share code • Monthly PDF report generation BACKUP & RESTORE Your data, always safe — even without iCloud. • Full backup to a single .finfoliobackup file (tasks, payments, PDFs, settings, SIP history — everything) • Optional AES-256 password encryption for backups • Restore from any backup file, even after deleting the app • Save backups to iCloud Drive, Google Drive, or email them to yourself SHARE & COLLABORATE • Share tasks with family or friends via a unique share code • Real-time sync via CloudKit — changes appear instantly across devices • Share financial documents securely DEEP APPLE INTEGRATION • Siri Shortcuts — "Hey Siri, what's my net worth?" or "Kitna bacha hai budget mein?" • Home Screen Widgets (small, medium, lock screen) — see upcoming dues at a glance • Interactive medium widget — mark tasks as paid directly from your home screen • Spotlight Search — find any bill from your home screen • Apple Calendar sync • Face ID / Touch ID lock • CSV export for Excel • PDF export for reports • iCloud sync across iPhone and iPad PRIVACY FIRST Your financial data stays on your device. No accounts required. No data sent to external servers. Location is used only on-device for geofenced reminders. DISCLAIMER Finfolio is a personal finance helper — not a financial advisor. All calculations are estimates. Always verify important financial data with a qualified professional. Use it as a helper, not an advisor.