WhySpend vs M Budget

WhySpend — Record not just spending, but how you felt when spending. WhySpend is a minimal expense tracker built around two questions: how much did you spend—and why, in that moment? No asset accounts, no heavy accounting—just clarity on money and mood. Made for people who want to see where their money goes and what emotions drive it. We don’t lecture you to spend less. We help you tell necessity from mood-driven spending, so logging stays light and self-awareness stays real. What you can do • Log in seconds — Tap “+” on the tab bar to record amount, category, and mood • Mood tags — Presets: Pamper Myself, Necessity, Impulse Buy, Retail therapy, Keeping up, Sense of Ritual—plus custom tags • Bill list — Browse by day, week, month, year, or a custom range; spending and mood in one place • Emotion Review — Heat ring, trends, and reports comparing necessity vs. mood-driven spending • Mood spectrum — A color strip of recent moods; long-press to see each expense • Gentle alerts — In-app nudges when emotional spending crosses your threshold, with a cooldown so we don’t nag • Post-purchase check-ins — Mark purchases as worth it, neutral, or regret to sharpen your intuition • iCloud sync — When enabled, syncs to your private iCloud; we don’t run servers that collect your entries • Shareable report posters — Generate a personal mood-spending report to keep or share Every expense can carry the feeling behind it. Start the conversation with WhySpend today. Privacy Policy：https://github.com/jjaammmeess/WhySpend/blob/main/privacy-policy.md Terms of Use：https://github.com/jjaammmeess/WhySpend/blob/main/terms-of-use.md

M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.