Divly vs AccountMaster Expense Tracker

Divly is the easiest way to split bills and track shared expenses with friends, roommates, partners, and travel groups — without giving up your email, watching ads, or hitting a wall after one trip. WHY DIVLY IS DIFFERENT - No account required. Open the app and start splitting expenses in 10 seconds. - 1 active groups for free. Archive a finished trip and start a new one — no quota games. - No ads. Ever. Premium is optional, not pressured. - Native iOS, built with SwiftUI + SwiftData. Fast, offline-first, dark-mode polished. PERFECT FOR - Roommates: rent, groceries, utilities, and the small store runs that pile up. Track who owes what without group chats. - Couples: daily spending, weekly groceries, and one clean settle-up at month-end. Divide costs fairly, automatically. - Travel groups: hotels, taxis, tickets — log expenses on the go, settle before the airport. - Friends and dinners: nights out, weekend plans, the "I'll send it later" pile. THE CORE FLOW 1. Create a group with an emoji, color, and currency (30 supported). 2. Add an expense — pick who paid, choose equal or custom split. 3. Open the Balances tab. See the minimum number of payments to clear all debts. 4. Tap a payment to mark it settled. Confetti when the group is fully even. SMART DEBT SIMPLIFICATION Divly's algorithm finds the fewest possible transactions to settle the whole group. If three roommates owe each other in a circle, you'll see one transfer — not three. PRIVACY-FIRST DESIGN Your data lives on your device. Optional iCloud backup uses your Apple ID — no Divly servers in the loop. Receipt scanning runs on-device with Apple's Vision framework. We don't sell, share, or sniff your data. DIVLY PREMIUM Optional upgrade for power users: - Unlimited groups - Receipt scanning (OCR) — snap a photo, auto-fill the amount - iCloud backup with version history - Spending statistics by category and per person - Recurring expenses (monthly bills, rent, subscriptions) - Percentage splits (great for unequal incomes) - Home Screen widget showing your top group balances - CSV export for your records The yearly Premium plan is shown in your local currency on the App Store; a monthly plan is also available. If shared expenses come up every week, the yearly plan is easily the smartest choice. DESIGNED FOR REAL LIFE - 30 currencies with up-to-date conversion (premium) - Dark mode and Liquid Glass-ready visuals - Haptic feedback on every interaction that matters - Confetti when a group is fully settled - Onboarding that asks how you'll use the app (housemates, couple, trip, social) and shapes the first screen LANGUAGES Available in English, Turkish, German, Spanish, French, and Russian. NO HIDDEN GOTCHAS - No ads - No tracking SDKs - No daily transaction limit - No mandatory signup - No "create account to export your data" trick If shared expenses have felt slow or cluttered with other apps — give Divly a try. Have feedback? Tap Settings → About → Email Support. We read everything. --- Auto-renewable subscription. Payment is charged to your Apple Account at confirmation of purchase. Subscription auto-renews unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Apple Account settings. Privacy Policy: https://divly.app/privacy Terms of Use: https://divly.app/terms

Meet your personal accountant. Ah Cai gets out of your way. Open the app, tap "lunch 35" on the big keypad — done, filed under "Food." Three seconds. No menus, no category picking. Why Ah Cai - Fast: natural-language input, large keypad, three seconds an entry - Accurate: on-device auto-categorization that learns your habits; no cloud, no network - Complete: bill splitting, monthly stats, budget alerts, iCloud sync - Private: data stays on your device (optional iCloud); no tracking, no ads Features - Quick entry: "Taxi 28" → Transport; "-8000" → Income (or tap the Income toggle). - Auto categories: 8 expense + 5 income presets; correct it once and it remembers. - Stats: monthly cash flow, category breakdown, daily trend, month-over-month. - Bill splitting: split travel costs, auto-calc the fewest transfers, track refunds that offset expenses, and export the whole group to Excel or text to settle up in chat. - Budget: set a monthly cap and get alerts. - Backup & iCloud: JSON export, optional no-sign-in iCloud sync. Privacy first — No account, no cloud categorization, no uploading your bills. Free vs Pro — Free: tracking, list, monthly stats. Pro (one-time ¥6): budget alerts, export, themes. Ah Cai — your private accountant.