SpendZero vs Skurda

Don't spend. Mint gold. SpendZero turns every no-spend day into a gold coin: watch them pile up in your Coin Vault, fill your year on the Mint Calendar and see what a year of not spending could be worth. Streaks, XP, quests, badges and a living wealth tree make it a game you actually want to win. Doing a no-buy month, a low-buy year or No-Spend January, or just trying to stop impulse buying? SpendZero makes every day you don't spend feel like a win. NEW IN 2.0 • Coin Vault: each sealed day drops a gold coin into a glass jar you can tilt and shake • Mint Calendar: your whole year in gold coins, brighter on the days you kept more • Savings forecast, all-new charts, and what your savings could buy • Monthly Recap: a story of your month, ready to share • Seal today from your Lock Screen, Dynamic Island, Control Center or Siri • A living wealth tree: day and night, the seasons, lights in December • Unlock Gold, Emerald and Midnight app icons as you level up A GAME YOU WIN BY NOT SPENDING Mark a no-spend day and it's sealed with a gold coin. Your streak ticks up, rewards pop in, and you see how close your next milestone is. • Streaks, with streak freezes that cover you on a rough day • Daily and weekly quests that progress from what you actually do • 25 levels, from Frugal Novice to Wealth King • Badges for 7-, 30-, 100- and 365-day streaks and savings milestones • Challenges like the 30-Day No-Spend Challenge, Coffee Detox Week and seasonal ones like No-Spend January, or make your own GROW YOUR WEALTH TREE Your tree is one of a kind. It grows with every level, hangs gold coins as your savings add up and follows your real day, from sunrise to moonlit nights. Let your streak lapse and it starts to wilt; one no-spend day brings it back. CRUSH IMPULSE BUYS Something sitting in your cart? Log it. Walk away and the money counts as saved, with XP to prove it. Caved? No shame: log it and keep going. Essentials like groceries and transportation don't break your no-spend day. NEVER BREAK THE CHAIN • Interactive widgets: seal today without opening the app • An optional evening countdown on your Lock Screen before the day runs out • "Seal today in SpendZero" with Siri, or one tap in Control Center • A gentle evening check-in, plus a morning reminder if you forgot yesterday PRIVATE BY DESIGN Everything you log stays on your iPhone. No account, no bank login, no ads, no tracking. Available in English, Chinese (Simplified and Traditional), Danish, Dutch, Finnish, French, German, Italian, Japanese, Korean, Norwegian, Portuguese, Spanish, Swedish and Turkish. SUBSCRIPTIONS SpendZero Pro is available weekly, monthly or yearly, or as a one-time lifetime purchase. Monthly and yearly plans may include a 3-day free trial for eligible new subscribers. Prices are shown in the app in your local currency. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period; manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://gwlabs.app/privacy

Subscriptions, utility bills, rent, insurance, taxes, loan payments — and now everything you spend day to day, too. The expenses that come back every month are the ones that weigh most on your budget; the daily ones are the easiest to lose track of. Skurda keeps them all in one place. Add a recurring expense once and say how often it repeats. From then on the app does the rest: it works out every future due date, tells you what it costs per month and per year, and warns you before each payment. DAILY EXPENSES, FOUR WAYS TO LOG THEM • Automatically, every time you pay with your phone, through an automation you set up once • By snapping a photo of the receipt: store, amount and date fill themselves in, and the photo is never saved anywhere • From a screenshot: take it, share it with Skurda, and the expense is already filled in • By hand, in a few seconds Your monthly total is now the real one: recurring and daily expenses together, always kept separate so an estimate never gets mistaken for a fact. WHAT YOU GET • Flexible recurrences: daily, weekly, monthly or yearly, with custom intervals (every 2 months, every 3 weeks, every 6 months) • Monthly and yearly totals always in view • A calendar of upcoming due dates, month by month • Charts by category and trends over time, so you can see where your money goes • Built-in categories, or your own with custom colors and icons — learned automatically from the merchant name when you pay by phone • Pause an expense without deleting it, and keep a history of amounts for variable bills like electricity and gas • A catalog of the most common expenses: pick yours with a tap on first launch, no typing needed REMINDERS YOU WON'T MISS Choose how many days ahead you want to be reminded, globally or expense by expense, and at what time of day. Straight from the notification you can snooze by three hours, by a day, or until next week. Reminders are free for everyone. WHERE YOU CAN SAVE Skurda looks at your expenses and points out real opportunities: overlapping streaming services, duplicate subscriptions, price increases compared with previous months, monthly subscriptions that would cost less paid yearly, and expenses you paused in the app but are probably still being charged for, because pausing here doesn't cancel anything with the provider. ALWAYS WITHIN REACH Home Screen widgets show your next expense due and what you've spent today. With Siri you can add a recurring or daily expense just by speaking, without opening the app. YOUR DATA STAYS YOURS No account required, no bank connection, no ads. Your data lives on your iPhone and syncs only to your own private iCloud. Receipts are read on your phone and never saved anywhere. SKURDA PRO The free version includes everything essential for recurring expenses, up to 10, plus up to 20 everyday expenses a month, by hand or from a receipt. Skurda Pro unlocks unlimited recurring expenses, unlimited everyday expenses, automatically when you pay with your phone or from a screenshot, the annual savings report, and import and export in Excel and CSV. Privacy Policy: https://dontknowif.github.io/spese-ricorrenti/privacy.html Terms of Use: https://dontknowif.github.io/spese-ricorrenti/terms.html