Spendwise AI vs Lefover

NEW IN 2.2 — APPLE PAY AUTOMATIC TRACKING Pay with Apple Pay. Expense logs itself. Set up once via Apple Shortcuts. Works forever. —————————————————————————— Spendwise AI turns your Phone into a smart personal finance manager — powered by AI, 100% private, and works offline. SCAN RECEIPTS INSTANTLY Point your camera at any receipt — in German, English, French, Dutch, Italian, Spanish, or Portuguese. AI extracts the amount, merchant, and category automatically. IMPORT YOUR BANK STATEMENTS Drop in a PDF, CSV, or photo of your bank statement. AI parses and categorises hundreds of transactions in seconds. VOICE EXPENSE ENTRY Just say "Coffee 4.50" or "Aldi 23 euros" — expense logged instantly. No typing needed. TRACK YOUR EMOTIONAL SPENDING Tag how you felt when you spent. Discover patterns — how much more you spend when stressed vs. content. Unique to Spendwise AI. MULTI-CURRENCY TRIP EXPENSES Track expenses abroad in local currency with offline rates for 30+ currencies. No internet required. AI FINANCIAL ADVISOR Ask your AI advisor anything about your spending in plain English. Get personalised answers based on your real data. 6-MONTH CASH FLOW FORECAST AI predicts your financial future based on your recurring expenses and income patterns. COMPLETELY PRIVATE All data stays on your Phone. No account required. PIN and Face ID protection. Your data never leaves your device. EXPORT TO EXCEL Export all expenses and income to a formatted Excel file at any time. FREE TIER: 15 AI interactions/month included at no cost. PRO ($3.99/month or $29.99/year): 150 AI interactions/month — unlock unlimited receipt scanning, bank imports, and AI chat. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Most money apps show you your bank balance and a budget to keep up with. Lefover shows you one figure: what’s safe to spend. You tell it how often you receive money and when the next day is. It then takes what is in your accounts, holds back the bills due before that day, what your budgets still have to cover and what you set aside for your goals, and shows what is left. It is arithmetic, not a prediction. If you are short, it says by how much. It runs on the days you receive money, not the calendar month. Weekly, every two weeks, twice a month or monthly, your bills, budgets and reports all follow your dates. It finds your bills from your transactions and holds their money until they are paid. Cards you pay in full are held too. Nothing is guessed. Lefover never predicts your spending or works out when money will arrive. A feature that needs a guess to work is not a Lefover feature. With splits, you share a bill with people who bank somewhere else. They see the bill and their share, never your balance, and they do not need an account to accept it. Ask Nemo is an AI you can trust with money because it never does the math. It reads what Lefover already worked out and says it in a line, so it can never tell you an amount that is not true. Each time the next day you receive money comes around, you get a report on how you did, with a grade and a streak, and the option to send it to someone who keeps you honest. Lefover links to banks in the United States, Canada and the United Kingdom, in English, Spanish and French. The first fourteen days are free, and the whole app is in them. Terms of use: https://lefover.com/legal/terms Privacy policy: https://lefover.com/legal/privacy