Centli vs Xpenza

Centli is a beautifully simple money tracker that helps you see where your money goes — and take back control. Track every expense and income in seconds, organize spending into ledgers and budgets, and keep your accounts perfectly balanced. Whether you're paying down a loan, saving toward a goal, or just trying to spend a little smarter, Centli keeps the whole picture in one calm, clutter-free place. WHY YOU'LL LOVE CENTLI • Fast expense & income tracking — add a transaction in seconds with Quick Add • Ledgers & budgets — group spending your way and see what's left at a glance • Multiple accounts & transfers — cash, bank and cards, always in sync • Loans — keep track of what you owe and what you're owed • Recurring transactions — set them once and let Centli handle the rest • Calendar view — see your spending day by day, color-coded • Reports — export clean PDF reports by date, ledger, account or person • Cently AI — chat with your own money assistant for insights and answers • Dark mode & themes — make Centli yours with custom accent colors • App lock — protect your data with Face ID, Touch ID or a passcode CENTLI PRO Upgrade to Pro for secure cloud backup and sync across your devices, an ad-free experience, and a higher monthly allowance of Cently AI insights. Subscriptions are available monthly, quarterly or yearly. Payment is charged to your Apple Account at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. YOUR DATA, YOUR BUSINESS Centli never sells your data and never asks for your bank login. Your finances stay private — kept on your device, with optional encrypted cloud backup when you choose Pro. Questions or feedback? Visit https://try-cently.com Terms of Use: https://try-cently.com/terms Privacy Policy: https://try-cently.com/privacy

Xpenza — Your Personal Finance Companion Take control of your money with Xpenza, the simple yet powerful expense tracker designed to help you spend smarter and save more. TRACK EVERY TRANSACTION • Add income and expenses in seconds • Organize with categories and custom labels • Import transactions from bank SMS messages • Import bank statements for bulk entry • Support for 34+ currencies with auto-detection SMART BUDGETS • Set daily, weekly, or monthly spending limits • Get alerts before you overspend • Track category-specific budgets like food, transport, or shopping MULTIPLE WALLETS • Manage bank accounts, cash, credit cards, and e-wallets in one place • Track balances across all your accounts SAVINGS GOALS • Set savings targets with deadlines • Track your progress visually • Stay motivated with milestone updates DETAILED REPORTS & CHARTS • Beautiful pie charts and bar graphs • Monthly income vs expense breakdown • Category-wise spending analysis • Export reports as CSV or PDF SPLIT EXPENSES • Split bills with friends and family • Track who owes what • Get reminders for pending payments SUBSCRIPTION TRACKER • Detect and manage recurring subscriptions • Never forget a renewal date • See your total monthly subscription cost SMART INSIGHTS • AI-powered spending tips and recommendations • Financial health score • Cash flow forecasting • Spending streaks to build better habits WIDGETS & LIVE ACTIVITY • Home Screen widget for daily spending at a glance • Live Activity to track your budget in real time ICLOUD SYNC & BACKUP • Automatic iCloud backup and sync • Restore your data on any device • Works offline — syncs when you're back online PRIVACY FIRST • All data stored on your device and your personal iCloud • No servers, no tracking, no ads • No account required — your financial data stays yours CUSTOMIZABLE • Dark mode support • Multiple theme options • Custom categories and labels Download Xpenza today and start your journey to financial freedom.