Monerva vs billmo

Take control of your money with Monerva — the offline-first personal finance app built for real budgets, real wallets, and real spending habits. No accounts. No cloud. Your data lives on your device. --- TRACK EVERY TRANSACTION --- Log income and expenses in seconds. Organize by category and see exactly where your money goes. Use the built-in receipt scanner to auto-fill the amount, date, and merchant from a photo. --- MULTI-WALLET SYSTEM --- Create wallets for cash, bank accounts, or any fund. Transfer money between them with optional fees. Every transaction links to a wallet so balances stay accurate automatically. --- CREDIT CARD TRACKING --- Add credit cards, charge expenses to them, and record payments. Track your outstanding balance and credit utilization in real time. --- BUDGET BY CATEGORY --- Set monthly spending limits per category. See which categories are on track, approaching the limit, or over budget. Month Projection tells you if you'll finish the month under budget. --- SAVINGS GOALS --- Define goals with a target amount and deadline. Track progress with color-coded bars. Contribute any amount at any time and watch your goal fill up. --- DEBT & LOAN TRACKER --- Track money you owe and money owed to you. Log partial payments, view full payment history, and set date reminders so due dates never sneak up on you. --- ANALYTICS & INSIGHTS --- Spending over time, category breakdowns, income vs. expenses, average daily spend, and intelligent insights — all powered by your own data, no server required. --- PRIVACY FIRST --- Monerva never connects to the internet. All data is encrypted on-device. Enable Privacy Mode to blur all amounts with one tap. --- MORE FEATURES --- - Receipt scanner with on-device OCR - Emergency fund calculator - Recurring expenses - PDF export for transactions and debts - Data backup and restore - Custom categories and income sources - 40+ currencies - Dark mode - iPad support Download Monerva and start building better money habits today.

Splitting a bill should take seconds, not a spreadsheet. billmo turns a photo of any receipt into a fair, itemized split — so everyone pays exactly their share. SCAN & SPLIT IN SECONDS Point your camera at the receipt. billmo reads each line item, and you just tap who had what. It does the math — including service charge and discounts — down to the cent. KNOW WHO OWES WHAT billmo keeps a running balance with every person and group. See "To Pay" and "To Collect" at a glance, and settle up when you're squared away. Balances between registered users stay perfectly in sync on both sides. GROUPS THAT STAY CLEAN Create a group for the trip, the flat, or the barkada. Add expenses, and billmo tracks each person's share automatically. Join by QR or code, with the group creator approving who gets in. GET PAID YOUR WAY Save your bank or e-wallet QR once. When someone owes you, they can pull it up and pay you directly — and only people who actually owe you can see it. BUILT FOR THE REAL WORLD - Multi-currency: record a bill in the local currency, see your share in your home currency - Recurring bills for rent, subscriptions, and monthly splits - Works with friends who aren't on billmo yet — add them by name - Your receipts are never stored: they're read once and discarded PRIVATE BY DESIGN Your bills and balances are yours. Delete your account anytime and your personal data is erased. Free to use, with free scans to get you started. Optional Splitties bundles top up your receipt scans whenever you need more. Split the bill, skip the awkward. Download billmo.