Rilio vs SpendSmartAI

Rilio logs your spending for you. Pay with Apple Pay and the expense is saved before you put your phone away, with the amount, merchant and category already filled in. Bank SMS alerts are picked up the same way. A notification on your Lock Screen confirms each one, and a single tap fixes anything you want to change. No bank login. No spreadsheets. No end-of-month catch-up. LOGGED AUTOMATICALLY • Apple Pay: every tap is logged the moment you pay • Bank SMS alerts from supported banks are read and saved for you • One payment, one transaction: a tap and its matching bank alert never double up • Refund alerts are matched to the original purchase • One-time setup with Apple Shortcuts, guided step by step in the app OR JUST SAY IT • Type or speak "12 for lunch at Chipotle" and AI fills in the amount, merchant and category • Double-tap the back of your iPhone to log an expense without opening the app • Import a bank statement PDF to bring in your past transactions KNOW WHERE YOUR MONEY GOES • Income, spending and savings rate for the month at a glance • A forecast of where the month will land • Daily spending, biggest purchases, top categories and weekend habits • Ask Rilio anything, like "How much did I spend on food this month?" • A monthly recap you can share STAY ON BUDGET • Set limits by category and see what's on track and what's close • Home Screen and Lock Screen widgets for this month's spending and budgets SPLIT WITH FRIENDS • Groups for trips, roommates and dinners, with invites by link • See who owes what and settle up in a tap YOUR DATA, YOUR CALL • Rilio never asks for your bank password • Only messages that match your payment keywords are sent to Rilio • Delete your account and data from Settings at any time SUBSCRIPTION Rilio requires a Rilio Pro subscription. New subscribers start with a free trial. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Terms of Use: https://getrilio.com/terms Privacy Policy: https://getrilio.com/privacy

SpendSmart AI is a private, local-first expense tracker that turns everyday spending into something you can actually read. Just type "coffee 220" or say it out loud. Smart entry fills in the amount, category, and date for you. Snap a receipt and let OCR do the typing instead. Or hand it a bank statement and let it read the whole month at once, without ever asking for a bank login. WHY SPENDSMART AI- • Smart entry: add an expense by text or voice in one line. • Statement import with no bank login: OFX, QFX and CSV files are read entirely on your device, free and unlimited. PDFs and unusual formats use AI instead. • Shared groups: split a flat, a trip or a dinner, see who owes whom, and settle up in the fewest transfers. • Split a scanned receipt line by line, not just evenly (Pro, because the lines come from the receipt scan). Each line carries its quantity, so two coffees on one row can go to two different people. • The people you split with do not need an account: send a link and they tick their own items from a web page, with nothing to install. • Settle up by opening the other person's Venmo, Cash App or PayPal from the settle-up row, so nobody copies a handle by hand. Dollar amounts are filled in for you, and Venmo carries a note as well. We never process the payment and never learn whether money moved. • Split a single bill: record what you actually owed on a shared payment, and keep the rest out of your totals. • Works worldwide: 50+ currencies, UPI, Pix, PayPay, Venmo, and popular local merchants in 8+ countries. • Receipt scanning (Pro): photograph a receipt, get a ready-to-save expense. • Beautiful reports: donut breakdowns and trends at a glance. • Budgets, savings goals, recurring bills and reminders. • Quick ways in: Siri, the share sheet, a home screen shortcut, or open a statement file straight into the app. • Templates for the things you buy every week, and a streak that rewards showing up. • Powerful search: find any transaction instantly. • Light and dark themes, and a real desktop layout in the browser. • No ads, ever, on Free or Pro, and your data is never sold. • Change your home currency later if you move: every entry keeps the amount and currency you paid in, and your totals switch to the new currency at the rate you set • Local-first and private: works offline, and you own your data. Shared groups are the one exception: you can read them offline, but adding or settling needs a connection. • FREE includes unlimited transactions, 12 months of history, reports, budgets, search, unlimited on-device statement import, and up to 3 shared groups, plus 10 AI smart entries and 5 voice inputs each month. • PRO unlocks receipt OCR, unlimited smart and voice entry, unlimited groups, full history, and PDF export. • Prices vary by region; see current rates in the app. Your privacy isn't an afterthought. SpendSmart AI is built local-first, and you can delete all your data whenever you want. Terms of Use: https://spendsmartai.online/terms Privacy Policy: https://spendsmartai.online/privacy