Zpent vs The Smart Budget

Stop manually categorizing transactions. Zpent does it instantly. Categorizing transactions is one of those tasks everyone knows they should do — and nobody wants to. It's tedious, time-consuming, easy to fall behind on. Zpent makes it disappear. Import a PDF, CSV, XLS, XLSX, OFX, or QFX from any bank, and Zpent's AI categorizes every transaction in seconds. 17 smart defaults, unlimited custom categories, and the model learns from your corrections. What used to take an hour now takes seconds — and seeing your spending actually organized feels surprisingly satisfying. SAFE TO SPEND One clear number: exactly how much you can comfortably spend right now, factoring in your monthly budget and upcoming commitments. No spreadsheet, no math. Just a glance. EXPENSE HEATMAP A color-coded calendar of your spending patterns. Spot which days and weeks actually drain your wallet — at a glance. AI ASSISTANT Ask plain-English questions: "How much did I spend on restaurants last month?" or "Am I on track with my grocery budget?" Instant answers, grounded in your real data. BUDGETS THAT LEARN FROM YOU AI-suggested limits based on your actual spending history. Adjust as you go, copy from previous months, get visual breakdowns by category. UNIVERSAL IMPORT PDF, CSV, XLS, XLSX, OFX, QFX. Any format from any bank in 150+ currencies, with automatic format, currency, and date detection. SCHEDULED PAYMENTS Track recurring payments — subscriptions, rent, salary — with calendar reminders, "due this week" alerts, and the ability to skip individual occurrences. PRIVACY, FIRST CLASS Encrypted in transit (TLS 1.2+) and at rest (AES-256). GDPR compliant. SOC 2 Type II infrastructure. Your financial data is never used to train AI models. Ever. FAMILY & COLLABORATORS Share view-or-edit access with a partner, accountant, or family member. Everyone stays on the same page. Privacy policy: https://zpent.io/privacy Terms of use: https://zpent.io/terms Support: support@zpent.io

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/