SettleGroup vs WorthBook

SettleGroup is a simple expense manager for group splitting and personal spending. Create groups, add expenses, choose who paid and who should share the cost. SettleGroup automatically calculates each person’s share, group balances, and settlement suggestions, so you can spend less time counting and chasing payments. Key features: - Group expense splitting for trips, meals, roommates, families, friends, and events - Personal ledger for tracking your own everyday expenses without creating a group - AI category suggestions based on your expense title - Receipt scanning from camera or photo picker using on-device OCR/AI - Automatic extraction of readable title, amount, date, currency, and category - Separate personal and group budget tracking - Monthly recurring expenses for rent, subscriptions, phone bills, gym fees, and more - Reminders for upcoming payments - Spending insights by category, date, and recent transactions - Multi-currency support, including HKD and CNY - Optional ad unlocks for selected advanced limits

Your lucky cat for building wealth. WorthBook brings everyday bookkeeping and net worth tracking into one app. Set up Shortcuts to record supported Apple Pay purchases at shops, or scan other payment screenshots and review before saving. CHOOSE THE AUTO-LOG METHOD FOR YOUR IPHONE • iOS 17 or later: use a Wallet automation in Shortcuts to record at-shop Apple Pay taps that supply an amount • iOS 27 or later: read payments, money received and refunds from supported notifications of the payment apps you select; those notifications must be enabled • Settings → Auto-log Apple Pay shows the appropriate setup, notification shortcut and last automation run • Duplicate reports from different sources are checked using amount, currency, merchant and time Auto-log requires Shortcuts setup and the necessary permissions. Recognition depends on the information supplied by the transaction or notification. Auto payments are kept locally and sync to Ledger when you open WorthBook. They are not linked to an account by default and can be edited later. SPENDING AND NET WORTH TOGETHER • Track income, expenses, categories and cash flow • Keep cash, bank accounts, investments, property, crypto and debts in view • Manage multiple currencies using exchange rates you set • Read net worth history, allocation, growth and milestones • Link manual or reviewed screenshot entries to an account to update its balance SCAN, CHECK, SAVE Read the amount, date, merchant and category from a payment screenshot. Check or edit the details before saving. Screenshot recognition happens on your phone; images are not uploaded. KEEP YOUR DATA ON YOUR PHONE No sign-up and no ads. Use biometric locking and privacy mode, export a JSON backup, import CSV files and keep separate books for personal or family finances. Available in English, Traditional Chinese and Simplified Chinese, with light and dark themes. No bank login is required. Start with the demo data, then build your own book.