SpendByMe vs GoDebtFree

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/

Break free from debt — one payment at a time. GoDebtFree is your all-in-one debt companion: track every loan and credit card, follow your EMI schedule, plan the fastest payoff route, and check whether you can actually afford a new purchase before you commit. KNOW WHERE YOU STAND See your total debt, monthly obligations, and disposable income on a single dashboard. No spreadsheets. No guesswork. Just clarity. NEVER MISS A PAYMENT Add all your monthly dues — rent, electricity, EMIs — and mark them paid with a single tap. Get reminded before each deadline so late fees become a thing of the past. FIND YOUR DEBT-FREE DATE GoDebtFree calculates two proven payoff strategies: • Debt Snowball — crush the smallest balances first for quick wins and momentum • Debt Avalanche — attack the highest-interest debt first to save the most money See exactly which strategy gets you debt-free sooner and how much interest you save along the way. TRACK EVERY INSTALLMENT Whether it's a personal loan, car loan, or credit card, GoDebtFree tracks every EMI. Tap any loan to see the full repayment schedule, mark instalments paid, and watch your remaining balance shrink month by month. ASK BEFORE YOU BUY Not sure if you can afford that new phone or laptop in EMI? Ask the built-in Affordability Chat. It checks your income, existing expenses, and debt minimums to give you an honest answer — before you commit. EXPORT YOUR DATA Export your debts, income, and expenses as a CSV file to review in a spreadsheet or share with your accountant. Your data, your way. SYNCS ACROSS ALL YOUR DEVICES GoDebtFree uses iCloud to keep your data in sync across your iPhone and iPad automatically — no account setup required. BUILT FOR PRIVACY Everything is processed on your device. No ads. No trackers. No data sold to anyone. WHAT YOU CAN TRACK • Home loans, car loans, personal loans • Credit card balances and minimum payments • EMI schedules with instalment-by-instalment history • Salary, freelance, and variable income sources • Fixed and variable monthly expenses Download GoDebtFree today. Your debt-free date is closer than you think.