Moneto vs Xplit

Moneto is a free expense tracker, budget planner and money manager that makes personal finance simple. Track expenses, income and transfers, set budgets, reach your savings goals and see exactly where your money goes — all in one clean, fast app, with no ads ever. Whether you want a daily spending tracker, a powerful budget planner, or a full money manager and expense manager for the whole family, Moneto keeps your personal finance organized on every device. WHAT YOU CAN DO • Track expenses, income and transfers in seconds • Create multiple wallets for accounts, cards and cash • Set monthly, quarterly or yearly budgets with automatic alerts • Build savings goals with deadlines and progress tracking • Automate recurring transactions for bills, salary and subscriptions • Attach receipts and invoices to any transaction (PDF, JPG, PNG) • Analyze your money with 6 reports: overview, annual, categories, cash flow, net worth and forecast • Export everything to PDF and CSV in your language GROUPS & SHARED EXPENSES Share wallets, budgets and savings goals with your family. Every transaction notifies everyone, so the household budget is clear to whoever runs it. PRIVACY FIRST • Fully GDPR compliant • Data hosted in Europe (Microsoft Azure) • Encryption in transit and at rest • Two-factor authentication (2FA) • Biometric unlock with fingerprint or Face ID • No ads, no profiling, no selling your data 18 LANGUAGES English, Italian, German, Spanish, French, Dutch, Portuguese, Brazilian Portuguese, Croatian, Hindi, Indonesian, Turkish, Polish, Czech, Romanian, Hungarian, Greek and Ukrainian. WORKS EVERYWHERE One account across Android, iPhone, iPad, Windows and Web, with automatic real-time sync. Start budgeting on your phone and pick up right where you left off on your computer. FREE FOREVER + MONETO PRO Moneto is open: reports, budgets, goals and groups are free for everyone, with no ads. The free plan covers 25 transactions a month. With Moneto Pro (€6.99/year, 7-day trial) the cap goes away and you can export everything to PDF and CSV. Take control of your personal finance today. Download Moneto — the budget and expense tracker that puts your money first. Developed in Italy by Innovatek. Questions? info@monetoapp.it

Split shared expenses with your group — no accounts, no signup, no subscription. Create a group, share a link, and everyone is in with one tap. Xplit does the math; you just add who paid for what. A weekend trip, a shared flat, dinner with friends, a holiday with the family — Xplit keeps track of every expense and tells everyone exactly who owes whom. Built around one idea: the person who organizes shouldn't have to make anyone sign up. Send a link any way you like — messaging, email, however — and whoever has the link is in. WHAT XPLIT DOES — Join with a link — no account, no email, no password; one tap and your friends are in the group — Add expenses — amount, currency, who paid, and how to split: evenly, by exact amounts, or by shares — Multiple currencies — each currency is settled on its own, no surprise conversions — Who owes whom — balances update the moment an expense comes in — Simplify debts — Xplit minimizes the number of transfers so everyone settles with the fewest payments — Settle up — record a payment and the balances rebalance — History — a clear timeline of every expense and settlement — Web view — friends without the app open the link in a browser and see the full split FOR A SHARED FLAT — Recurring expenses — rent, internet and energy repeat every month and are added as soon as you open the app on the due day or later — Monthly settle-up — on the last day of the month everyone gets a reminder with their own balance, and a "This month" view shows just the current month — Fair shares, real dates — set the flat's default shares (the bigger room pays more); when someone moves in or out on a date, the split follows from that day, with a quick settle-up for whoever leaves — Lock the group — freeze the member list so a forwarded link lets no one else in NO ACCOUNT, NO SUBSCRIPTION There is nothing to sign up for. No email, no password, no profile. Your groups live on your device and behind a private link — share it with the people you split with, no one else. No ads, no tracking, no selling your data. PAY ONCE, KEEP FOREVER Joining groups is free forever, and your first group is on us. Unlock unlimited groups with a single one-time purchase — no subscription, ever. Buy it once and it's yours. The same purchase unlocks the flat tools: recurring expenses, default shares and the monthly reminder. PRIVACY FIRST — No account, no email, no personal data collected — A group is reachable only through its private link — No ads, no tracking, no personal analytics Privacy Policy: https://1tnt.link/xplit/privacy.html Terms of Use (EULA): https://1tnt.link/xplit/eula.html