Ching vs SpendWise Offline

Ching is an automatic expense tracker designed for Hong Kong. Snap receipts, log Apple Wallet taps automatically, no bank login. • Receipt Photos Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch. • Auto-Log Card Taps (requires iOS 27) Add one Ching Shortcut. When a card in Apple Wallet is used, or PayMe tells you money has arrived, Ching posts a notification and one tap confirms the entry. Set it up once. • Quick Manual Entry Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking. • AI Spending Insights Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below. • Cloud Backup (Ching Pro) Encrypted backup. Restore on a new phone in one step. • Privacy First Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches. Free: Unlimited* tracking · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud backup · Unlimited* category budgets *Fair-use limits apply to prevent abuse. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Made by an independent developer in Hong Kong. Questions? We'd love to hear from you. Important Disclaimer Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.

SpendWise – Smart Expense Tracker Take control of your money with SpendWise, a simple, powerful, and privacy-focused expense tracker designed for everyday financial management. Track your income and expenses, manage monthly budgets, monitor category spending, create savings goals, track borrowed or lent money, and understand your financial habits through clear reports and charts. SpendWise works without login or account registration. Your financial records are stored locally on your device, giving you a fast and private way to manage your money. Worldwide Currency Support SpendWise is built for users around the world. On first launch, choose your preferred currency and the app will display amounts using that currency throughout the app. You can also change your preferred currency later from Settings. Support includes currencies such as: USD, EUR, GBP, INR, JPY, CAD, AUD, AED, SAR, SGD, CHF and many more. Key Features Income & Expense Tracking Add daily income and expenses Organize transactions by category Add notes and transaction dates Edit, duplicate, or delete transactions View recent and complete transaction history Multiple Payment Modes Track how you paid using: Cash UPI Debit Card Credit Card Bank Transfer Wallet Other payment methods Smart Dashboard Get a clear overview of: Total income Total expenses Current balance Remaining budget Recent transactions Spending trends Top categories Payment mode usage Monthly Budget Management Set a monthly spending budget Track used and remaining amounts View budget progress visually Receive budget reminders Category Budgets Set individual limits for expense categories Monitor category-wise spending Receive warnings when spending approaches or exceeds limits Advanced Reports & Analytics Understand your money with: Daily reports Weekly reports Monthly reports Yearly reports Income vs expense analysis Category spending reports Payment mode reports Highest spending category Average daily spending Spending trends Safe-to-spend insights Recurring Transactions Manage repeating financial activity such as: Rent Salary Subscriptions EMI payments Utility bills Insurance Other recurring income or expenses Choose daily, weekly, monthly, or yearly recurrence. Savings Goals Create and track goals for: Emergency funds Travel New devices Vehicles Education Home purchases Personal dreams Add deposits, record withdrawals, and monitor your progress toward each target. Debt, Borrow & Lend Tracker Keep track of: Money you borrowed Money you lent Partial repayments Additional borrowed or lent amounts Due dates Settled and active records Custom Categories Create your own income and expense categories and choose from a visual collection of icons. No need to know SF Symbol names. CSV Import & Export Export transaction data as CSV Import supported CSV files Keep financial data portable Use currency-neutral numeric amounts for easier data handling Backup & Restore Create full local backups Restore your SpendWise data Protect transactions, categories, budgets, recurring records, savings goals, and debt information App Lock & Privacy Protect access to your financial information using: Passcode Face ID Touch ID Supported biometric authentication Nearby Useful Places Find useful services around you, including: Banks ATMs Supermarkets Grocery stores Restaurants Cafes Fuel stations Shopping malls Pharmacies Hospitals Hotels Parking Public transport Car services Insurance offices Accountants and tax professionals Nearby Places requires location permission and an internet connection. Private by Design SpendWise does not require you to create an account or sign in. Your financial records are designed to remain locally stored on your device, giving you greater control over your personal money data. Start building better money habits today with SpendWise. Track smarter. Spend better. Live better.