Rilio vs Means

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

Means answers the only money question that matters day to day: what's actually safe to spend right now? Connect your bank in seconds and Means does the rest. It reads your income, sets aside what's owed for bills and the goals you care about, and shows you one honest number — your safe-to-spend — on a calm home screen that updates on its own. No spreadsheets, no envelopes, no guilt. WHY MEANS • One honest number. Not a dozen charts — the amount that's genuinely yours to spend today. • It works on its own. Link your accounts once and spending shows up automatically. • Bills, handled. Means learns your recurring bills and quietly protects that money. • Goals that stick. Set money aside for what matters and watch safe-to-spend adjust. • Every number opens. Tap any figure to see the exact transactions behind it. • Calm by design. A quiet, warm interface that respects your attention. MEMBERSHIP The budgeting is free, and always will be. • Free — the full budgeting toolkit: your daily safe-to-spend, rollover, set-asides and a savings goal. You add spending by hand. 10 AI questions a month. • Plus — connect up to 10 banks so your spending appears on its own, plus 200 AI questions a month. • Pro — up to 20 banks and 1,000 AI questions a month. SUBSCRIPTION DETAILS Means Plus — $7.99 per month, or $59.99 per year (billed once a year). Means Pro — $14.99 per month, or $99.99 per year (billed once a year). Both include a 7-day free trial for new subscribers. Connecting a bank, so your spending appears automatically, is part of Means Plus and Means Pro. Without a subscription you can add spending by hand and ask 10 AI questions a month, free forever. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same period at the same price unless you turn off auto-renew at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the end of the current period. Manage your subscription or turn off auto-renew in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you purchase a subscription. Prices are in USD; prices in other regions may vary. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Means Terms of Service: https://api.means.finance/terms Privacy Policy: https://api.means.finance/privacy PRIVATE BY DESIGN Your bank connection is handled by Plaid, a trusted bank-grade provider, and is read-only — Means can see transactions and balances, and can never move money. Your data is encrypted, never sold and never used for advertising. Means is paid for by memberships, not by you. Support: https://api.means.finance/support