Split Meld vs The Smart Budget

Split Meld is the AI-powered shared household manager. Beyond bill splitting — track expenses, rotate chores, share shopping lists, manage recurring bills, settle IOUs, and get AI advice on fair splits. Built for roommates, housemates, couples, and co-living. EXPENSE TRACKING & SPLITTING - Add expenses with photo receipt upload - Split equally, by share, by percentage, by exact amount - 10 pre-seeded categories (rent, utilities, groceries, more) - Per-expense activity log - Settlement-ready balances per household member RECURRING BILL TRACKING - Templates for rent, utilities, subscriptions - Frequency: monthly / weekly / quarterly / yearly - Auto-create expense records when due - Next-due-date auto-calculation IOU TRACKING & SETTLEMENT - Track who owes whom across all expenses - Simplified-debt math (you don't need 6 transfers when 2 will do) - One-tap "settle" with payment-method tagging (Venmo, Zelle, cash) - Settlement history CHORE ROTATION - Set chores with frequency + assignee rotation - Auto-rotate next assignee - Mark complete with photo proof - Streak tracking + accountability SHARED SHOPPING LISTS - Add items with quantity + assigned shopper - Real-time sync across household - Mark "in cart" / "purchased" / "out of stock" - History of who bought what AI ROOMMATE COACH - Conversational AI aware of your household balances + chores - "Should rent be 50/50 if I'm gone half the month?" — fair-split math - Dispute-resolution suggestions - Spending-pattern analysis SPENDING ANALYTICS - Per-household + per-person trend charts - Category breakdown - Monthly summaries PAYMENT REMINDERS - Push notifications for owed balances - Bill due dates - Chore reminders GAMIFICATION - 25 achievements (first split, 10 settled, perfect chore week) - XP, levels, streaks PRIVACY & SECURITY - Email + 6-digit OTP, Google Sign-In, or Apple Sign-In - Receipt photos encrypted, deletable any time - We never sell your data SUBSCRIPTION PLANS Free: - 1 household - Up to 4 members - Basic splitting + IOU - Limited chores + shopping list Premium ($3.99/month or $29.99/year): - Unlimited households + members - Recurring bills auto-create - Photo receipt upload - AI Roommate Coach unlimited - Advanced analytics - Priority support - 7-day free trial vs Splitwise Pro $4.99 (no chores or lists), Venmo (transfers only), HomeSlice / Tally / OurHome (basic). Split Meld is full-stack household management. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your App Store account settings after purchase. Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription. Privacy Policy: https://splitmeld.infoinlet.com/privacy-policy Terms of Use: https://splitmeld.infoinlet.com/terms-of-service SUBSCRIPTION TERMS Split Meld Premium is an auto-renewable subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends. You can manage and cancel your subscription anytime in your iTunes Account Settings. Available plans: - Monthly: $4.99 per month - Annual: $29.99 per year

The Smart Budget does the work for you. Set it up once and your spending logs itself — captured, cleaned up, categorized, and checked for anything odd. You open the app to review, not to type. Private, built on Apple Intelligence — and free to start. Smart Budget reads the merchant, amount, currency, and date — on your iPhone or in Apple's Private Cloud Compute — cleans up the messy bank text, picks the right category, and quietly flags anything unusual. No bank login. No third party, ever. Prefer to add one by hand? Log it in seconds, snap a receipt, or say it out loud. Your data stays yours. No accounts to create. No bank-linking required. No data sold or shared. iCloud sync is optional and runs through your own Apple ID — your transactions never reach us. — FREE FOREVER — • Hands-off capture — set it up in seconds and your bank texts and notifications log themselves • Import a bank statement — PDF or CSV, read by Apple Intelligence (iOS 27) • Automatic cleanup + categorization — messy bank merchant strings become clean, sorted entries • Anomaly detection — the Notable card flags spending that doesn't match your patterns • Add transactions by hand too — type in seconds, dictate, or snap a receipt • Unlimited logging, budgets, goals, and incomes • Dashboard with "available this month" hero • "Tell it once, learn forever" merchant aliases — name a merchant once, it's applied forever • Reports: Spending by category, Income vs spending, All transactions, Anomalies & alerts • Lock Screen + Home Screen widgets • Spotlight search for any transaction • Siri Shortcuts for quick logging • Multi-currency with automatic FX conversion • Full VoiceOver, WCAG AA contrast — SMART BUDGET PRO — The intelligence layer, optional, shareable with your family: • Full history — every month, not just the last 15 days • Smart Insights — LLM-narrated story cards on the Insights tab: looking-ahead pace forecasts, goal coaching, category-mix shift detection, recurring-charge audit, what-if scenarios, savings opportunities, period summaries • All Reports — Top merchants, Largest transactions, Recurring charges, Merchant frequency, Budget history, Goal progress, Savings, By account, Year in review, plus per-member household reports Pro pricing: • Monthly: $2.99 • Yearly: $24.99 (3 months free vs paying monthly) • Lifetime: $49.99 (one-time payment, never expires) — SMART BUDGET HOUSEHOLD — Everything in Pro, for your whole household on one shared ledger: • Household Sharing — invite a partner; share budgets, goals, and reports through a private CloudKit Share you control • Members don't pay — the owner's plan covers everyone in the household Household pricing: • Monthly: $4.99 • Yearly: $49.99 (2 months free vs paying monthly) • Lifetime: $99.99 (one-time payment, never expires) Bought Pro before version 2.0? Household sharing stays included in your plan. All Pro and Household plans support Apple Family Sharing — one purchase covers up to six family members at no extra cost. Cancel a subscription anytime in iOS Settings → Apple ID → Subscriptions. — PRIVACY — The Smart Budget runs on Apple Intelligence — on your iPhone or in Apple's Private Cloud Compute, Apple's own hardened servers. Nothing is stored, and no third party is ever involved. No accounts to sign up for. Anonymous app analytics help us improve — never your transactions, amounts or merchants — and you can turn them off in Settings → Privacy. Read the full privacy policy at zaatarlabs.com/privacy-policy. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/