Spendly vs Florino

Know where your money goes—without connecting a bank account. Spendly is a simple expense tracker and budget planner for recording income, organizing everyday spending, and seeing your financial picture at a glance. Add a transaction in seconds, create monthly category budgets, and use clear analytics to build better money habits. TRACK INCOME AND EXPENSES Record purchases, bills, salary, freelance income, and more. Add an amount, date, payment method, category, and notes. Use the built-in categories or create your own. PLAN MONTHLY BUDGETS Create a monthly spending plan and set limits for individual categories. Clear progress indicators show how much you have spent and what remains. UNDERSTAND YOUR SPENDING Explore weekly, monthly, and yearly views. See your average daily spending, savings rate, transaction count, leading categories, spending breakdown, and income-versus-expense trends. REVIEW YOUR HISTORY See your transactions in one place. Open any entry to review its details, make changes, or remove it. BUILT FOR EVERYDAY MONEY • No bank account connection required • Works offline after your first sign-in • Syncs pending changes when your internet connection returns • Choose the currency that fits you • Light and dark themes • No ads • No recurring subscription • Sign in with Apple or Google Whether you are managing a monthly salary, student allowance, household expenses, or freelance income, Spendly gives you a clear and practical way to stay aware of your money.

Florino is an expense tracker and budget planner that answers one question every morning: how much can I spend today and still make it to payday? It looks at your balance, takes out every bill, installment and debt due before your next payday, and splits what is left into a daily budget. Spend less today and tomorrow gets more. Spend more and you see it straight away. No spreadsheets, no bank connection: just a simple money manager that keeps your spending on track. SAFE TO SPEND, EVERY DAY • One clear daily budget, worked out until your next payday • See your balance, upcoming bills and what remains, at a glance • Budget to payday, the end of the week, the month or a date you pick • No payday? Florino budgets to the end of the month instead BILL REMINDERS BEFORE ANYTHING IS DUE • Bills, subscriptions, debts and installments in one timeline, sorted by date • Overdue bills stay on top until you mark them paid • A calendar that shows your balance at the end of each day • Bill reminders the day before a payment is due EXPENSE TRACKER THAT TAKES SECONDS • Add an expense or income in a few taps, with a category and a note • Spending by category for every month, with a clear breakdown • Search and filter your expense history by type, date, account and category • Category groups, your own colours and 100 icons to choose from INSTALLMENTS AND LOANS • Track a phone on credit, a car loan or a bank loan payment by payment • See the month you will be debt-free and how much is left to pay • Pay a payment early or change future amounts MONEY YOU LENT OR BORROWED • Who owes you and whom you owe, with a pay-back date • Record partial repayments; Florino keeps the running total SALARY AND INCOME • Set your payday once and Florino plans your budget around it • On payday it asks whether the money arrived, so your balance stays honest YOUR ACCOUNTS • Cash, card and savings accounts, with transfers between them • Keep savings out of your daily budget, or count them in • One currency for everything, from 38 currencies BUILT TO RESPECT YOU • Start without an account: everything stays on your phone • Sign in with Google or Apple to back up and use several phones • Works offline and syncs when you are back online • No bank connection needed, no ads • Dark mode, 13 languages, export your expenses to CSV FREE AND PREMIUM Free includes 2 accounts, 1 installment or loan, 3 repeating bills or incomes and bill reminders. Premium unlocks everything without limits, including reminders at the time you choose. Florino is a personal budget app and expense tracker for anyone who gets paid once or twice a month and wants to know what is safe to spend until the next paycheck. Premium is an auto-renewing subscription (monthly or yearly) or a one-time lifetime purchase. Payment is charged to your Apple ID. The subscription renews automatically unless cancelled at least 24 hours before the end of the period; manage or cancel it in your Apple ID settings. Terms of Use (EULA): https://sites.google.com/view/spendly-app-terms Privacy Policy: https://sites.google.com/view/spendly-app-privacy