BYOSW vs SplitEasy

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers. 【Sound familiar?】 • Eight friends took turns paying on a trip, and now nobody can untangle the currencies. • Roommates split utilities, but the bill is different every month and someone always feels shortchanged. • Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair. • A group gift where everyone chipped in different amounts. • You spotted a friend a cab fare three months ago and forgot. byosw handles all of these. 【How it fits real life】 • Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip. • Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap. • Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly. • Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe. • Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency. 【Why byosw】 byosw covers every step of splitting expenses in one place: • Four split methods: equal, exact, percentage, shares • Live multi-currency conversion • Smart settlement (minimum transfers to clear all debts) • Real-time push notifications, activity history, friend system • Three sign-in methods, three languages, light/dark themes Settle the money, then go enjoy each other's company. 【Privacy】 byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers. Full privacy policy: https://byosw.fcreps.com/privacy/ 【Account Deletion】 Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately. 【Support】 Questions or feedback: support@fcreps.com

CoBudget is a beautifully designed expense tracking app that helps you and your family manage finances together seamlessly. KEY FEATURES: - MULTI-DEVICE SYNC Automatically sync your data across all iOS devices with iCloud. No account needed—just sign in with your Apple ID. - SHARED LEDGERS Create shared ledgers and invite family or friends to track expenses together in real time. - SMART REPORTS View monthly and yearly expense reports with intuitive charts. Understand your spending patterns at a glance. - BUDGET TRACKING Set monthly budgets and stay on top of your spending goals with visual progress indicators. - CALENDAR VIEW See all your transactions organized by date. Quick overview, easy management. - MULTI-CURRENCY Support for 170+ currencies with real-time exchange rates. - PERSONALIZE IT Choose from 9 beautiful theme colors. Support for light and dark mode. - OFFLINE SUPPORT Add transactions even without internet. Sync automatically when you're back online. CoBudget respects your privacy. All data is stored securely in your personal iCloud account and is never shared with third parties.