FinanceToolkitt vs SpendZy

Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads. WHY PEOPLE SWITCH • No account or sign-up — open the app and start • Your data stays on your device; iCloud sync is optional and yours to control • No ads, no trackers, no bank logins • Works fully offline VOICE AND SIRI EXPENSE ENTRY Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts. 19 FINANCIAL CALCULATORS Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results. AMORTIZATION THAT ACTUALLY HELPS Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV. EXPENSE TRACKER • 27 categories with tags and notes • Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised • Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections • Pie charts, monthly and yearly views, search and filters • Multi-select and batch delete • Export as PDF or CSV MONTHLY OUTFLOW AND PAYMENT REMINDERS Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself. INVESTMENT TRACKER FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported. IMPORTANT DOCUMENTS Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where. WIDGETS Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen. SECURITY Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher. BUILT FOR MORE THAN ONE COUNTRY 11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP. 9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR. ALSO INCLUDED Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import. Requires iOS 18.

SpendZy is your all-in-one personal finance companion — track expenses and income, manage money you lend or owe, hit savings goals, and even run chitti groups. AUTO-TRACK FROM BANK MESSAGES Set up a Shortcut once and SpendZy can automatically log expenses and income from your bank SMS and UPI notifications. No manual entry for every transaction. EXPENSE & INCOME TRACKING • Log spending and income with categories and notes • See daily, weekly, and monthly summaries • Search and filter your full history • Home screen widget for quick add LEND & OWE • Track money you lent or borrowed • Set due dates and get reminders • Organize contacts into folders • Record partial payments and settlements SAVINGS GOALS • Create goals with targets and deadlines • Track progress at a glance • Stay motivated with visual progress CHITTI MANAGEMENT • Manage fixed or variable chitti schemes • Track members and monthly payments • See who has paid and what’s outstanding MORE YOU’LL LOVE • Multi-currency support • Local backup and restore • Google Drive backup (Premium) • Dark mode and multiple languages • Daily expense summary notifications SPENDZY PREMIUM • Auto-track from bank messages • Due date reminders • Unlimited lend/owe folders • Unlimited savings goals • Google Drive backup & restore Take control of your money — from everyday spending to loans, savings, and chitti — all in one clean, simple app.