Settl vs PocketVault

Split any bill in one sentence. Say it, scan it, Settl. Settl is the fastest way to split expenses with friends, roommates and travel buddies. Tap the mic, say what happened, and the expense is logged, split and converted in about a second. "Dinner was 240, the Sharmas had the wine, split the rest." Logged. Itemized. Everyone owes the right amount. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday." Two expenses, dated correctly, converted from yen. SAY IT, SCAN IT, OR TAP IT One mic button sits at the bottom of every screen. Point the camera at a receipt and Settl reads the total and the items. Prefer typing? Every action still works by hand. WHAT YOU CAN DO • Split equally, by exact amounts, by percentage, by shares, or item by item • Groups for trips, shared houses, couples and one-off dinners • Settle up 1-on-1 with a friend, no group needed • See who owes whom across every group in one balance • Track IOUs and record payments when someone pays you back • Multi-currency with daily exchange rates, built for travel • Comment on any expense to sort out the details • Import your history from Splitwise in a couple of taps WHY PEOPLE SWITCH You're not bad at money. You just hate asking for it. Every group dinner ends the same way: receipts on the table, half-typed payment requests, someone doing math in a notes app. Older bill-splitting apps solved the ledger. They never solved the chore of logging the thing in the first place. Settl does. Start a group, share the link, and split your next dinner before the check arrives. Questions or feedback? hello@settl.fyi Privacy: https://settl.fyi/privacy Terms: https://settl.fyi/terms

We can't see your money. By design. PocketVault Finance tracks your budgets, bills and net worth, and answers questions about them, all on your iPhone. No bank login. No account. Turn on airplane mode and it keeps working. You're the customer, not the product No ads. No loan offers. No data sold. Your ledger isn't on our servers, so there's nothing to sell. PocketVault is paid for by the people who choose Premium. Get your history in • Bring in a PDF statement from any bank, or a CSV export, from Files or another app's Share button. It reads the figures on the page. • Add the rest as you go. It takes a few seconds per entry. • Categories come from your own history first, then a built-in merchant list, so you correct a category once. What you can track • Checking, savings and credit cards, in one ledger • Weekly, monthly and yearly budgets, with progress as you spend • Recurring bills, with reminders before they're due • Your mortgage and other loans, investments and savings goals • 401(k), IRA and HSA accounts • Net worth across currencies, converted the same way wherever it's totaled Ask in plain language Ask how much went to dining last month, or what changed since spring. The answer is worked out on your iPhone, by the built-in model where your iPhone has one, or by a model you download once (about 2.6 GB). The figures are the app's own numbers, not the model's. Questions never leave the phone. Free to track. Paid to forecast. Everything you need to track your money is free. Premium adds forecasting and review: Spending forecast, Recurring charge detection, Subscription review, Payoff scenarios, Where this is heading, Money in & out, and Trends over time. What it connects to, and when Your financial data is stored encrypted on your iPhone and is never uploaded. The app goes online for things like: • the one-time model download, if you choose it • diagnostic logs, only when you send them • the App Store's own check of whether you hold Premium The complete list, and four ways to check it yourself, including a packet capture, are at pocketvault.finance/verify One thing to know Because nothing is stored on a server, there's nothing for us to restore. No company can shut your data down. Only you can lose it. Turn on backups and keep a copy off the phone. Privacy Policy: https://pocketvault.finance/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/