Personal Finances vs Spendimo

Buxo is a personal-finance manager with privacy by design. It categorizes your expenses automatically using AI — but only when you decide, and always after anonymizing your data on-device. FEATURES • Voice capture: say "Spent 12 dollars at Whole Foods" and the app creates the transaction. • PDF statement import: works with most US and EU banks. Bulk AI categorization. • Per-category budgets with smart suggestions from your spending patterns. • Insights with interactive charts: category breakdown, trends, spending pace. • 6 selectable color themes. • Optional iCloud sync across your devices (encrypted by Apple). • CSV and PDF export with one tap. PRIVACY BY DESIGN • Your data lives on your iPhone. Period. • AI is optional: three independent toggles (voice, PDF, suggestions) are off by default. • Before any AI call: automatic anonymization strips IBAN, ID numbers, credit cards, phones, emails, URLs, postal codes, and person names. • Three AI providers (Cloudflare, Anthropic Claude, Google Gemini) with transparent fallback: if one fails, another responds. • On-disk encryption with Data Protection Complete: data unreadable while the device is locked. • "Delete all my data" button always available. NOT A FINANCIAL ADVISOR Buxo helps you understand your spending — not decide your investments. Suggestions are informational; you decide. NO ADS · NO ACCOUNT REQUIRED -- BUXO PREMIUM (SUBSCRIPTION) -- Unlock unlimited voice entry, receipt & statement scanning, AI categorization, and iCloud sync. • Price: €2.99/month, with a 3-day free trial. • Payment is charged to your Apple ID at confirmation of purchase. • Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. • Manage or cancel anytime in your App Store account settings. The Terms of Use (EULA) and Privacy Policy are displayed as functional links inside the app's subscription purchase screen (onboarding paywall), directly below the price card and above the "Start free trial" button. Both links open in Safari. The screen also shows the subscription title (Buxo Premium), duration (monthly), price (€2.99 after a 3-day free trial), and renewal terms, as required by Schedule 2 of the Apple Developer Program License Agreement. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://buxo-web.vercel.app/buxo/privacidad

Track expenses and income, scan receipts, and see where your money goes. With Spendimo Pro, share selected entries with your partner. EVERYDAY MONEY TRACKING Record expenses and income with categories, notes, and payment methods. Keep track of recurring bills, review spending trends, and export your entries to CSV. Everyday recording works offline. SCAN AND CHECK RECEIPTS Capture or import a receipt, then check and edit the details before saving. Receipt recognition runs on your device. MULTIPLE CURRENCIES Record entries in different currencies and view converted totals when exchange rates are available. Amounts without a rate are shown separately. SPENDIMO PRO An optional subscription adds account sync across devices and partner sharing. Choose which entries to share and keep personal entries private. Optional receipt-image sync is off by default. YOUR CHOICE OF ACCOUNT Start without an account and keep entries on your device. A free account stores your account details; financial entries sync with Pro. Apple and RevenueCat handle subscriptions, including subscription reporting. Available in English, Spanish, Portuguese, French, German, Dutch, and Turkish. Subscriptions renew automatically unless cancelled through your Apple account settings. Prices and available plans are shown in the app before purchase. Privacy Policy: https://spendimo.com/privacy/ Terms of Use: https://spendimo.com/terms/