Settli vs Ownspend

Settli is the simplest way to keep track of money between you and the people around you: friends, family, roommates, colleagues. A €20 loan to a friend, a shared dinner, the groceries for the flat: Settli shows you at a glance who owes you what, and what you owe. NEW: GROUPS AND SPLITTING • Bring your roommates, your family or your team together in a group, set up once and for all • Split an expense between several people: equal shares, by shares when someone counts double, or custom amounts • Drag the dividers of the split bar to adjust everyone's share, and lock the amounts that shouldn't move • Count your own share without creating a debt • Follow each group's balance, always in a single currency EVERYTHING IN ONE PLACE • A card for each person, with their debts, categories, notes and photo • Everyone's net balance, in real time • Global search: find a person, a group or a debt from a single screen • Mark a debt as settled, and reactivate it if needed • Reminders so you never forget a debt • Multiple currencies (EUR, USD, GBP, JPY and more), chosen per person SYNCED EVERYWHERE Your data syncs privately through your own iCloud account on iPhone, iPad, Mac and Apple Vision Pro. Apple Watch syncs through your iPhone. Add a widget to your Home Screen or Lock Screen to see your balance, and a complication to your Apple Watch face: its red or green gauge shows where you stand. PRIVATE BY DESIGN Settli has no servers. We never see your data. Everything stays on your device or in your private iCloud: no tracking, no analytics, no ads. DEEPLY INTEGRATED • Siri & Shortcuts: ask “How much does Alice owe me?”, add a debt or split an expense without opening the app • Spotlight: find a person from your Home Screen • On Mac, keyboard shortcuts for every action, and multiple windows on iPad, Mac and Apple Vision Pro Available in English, French, Spanish, German, Italian, Portuguese (Portugal and Brazil), Polish, Japanese, Dutch and Russian.

Ownspend is the expense tracker for people who tried budgeting apps and quit. No bank password. No account. No three-hour setup weekend. Open it, tap plus, type what you spent, and watch it fill a spending wheel that's actually worth looking at. In 90 seconds you'll see the one thing you opened the app for: where your money actually goes — not where you think it goes. (Same app, new name: ClearSpend is now Ownspend. Your expenses and your Pro unlock are exactly where you left them.) SEE EVERYTHING AT A GLANCE Each category is an arc on the Spending Wheel, sized by what you've spent this month, in warm colors you can read in three seconds. Tap an arc to drill into it. The wheel fills in real time as you log, so you always know if you're on track. LOG IT IN 3 TAPS The numeric keypad is waiting the moment you tap add. Amount, category, done. Optional note. Ownspend remembers your recent amounts and categories, so logging that morning coffee takes seconds — before you forget. BUDGETS THAT ACTUALLY HELP Set a monthly limit per category and watch your progress inline. Ownspend warns you as you near a limit and flags the ones you've gone over — no end-of-month surprises. YOUR HISTORY, INSTANTLY SEARCHABLE Every transaction, newest first. Search by keyword, filter by category or date, sort by amount. Record the cash spending no automatic tracker ever captures. BRING YOUR OLD APP WITH YOU Switching trackers usually means starting from zero. Export a CSV from the app you're leaving and import it here instead — Ownspend shows you exactly what it will create, every row, before anything is written. ON IPHONE AND IPAD A real iPad layout — sidebar, dashboard and history side by side — not a stretched-up phone app. Attach a receipt photo to any expense, and record where you spent it. PRIVATE BY DESIGN, NOT BY POLICY Ownspend is local-first. Your expenses live on your device, and we never link to your bank or ask for a password. Use it solo and there is no account and no sign-in at all — nothing to leak, nothing to breach. Shared Wallet is opt-in, and free. Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet's expenses sync; everything else stays on your device. Sign in with Apple or Google, and delete your account whenever you want, right there in Settings. WHAT YOU GET, FREE - The Spending Wheel and full category breakdown - 3-tap Quick-Add logging - Up to 3 categories and 60 days of history - One savings goal - Monthly summary card you can share - Multiple wallets for cash, checking, and cards - CSV import, so switching costs you nothing - Shared Wallet, with one other person OWNSPEND PRO — YOUR CHOICE, NO GAMES Pro removes the limits. Start with a 7-day free trial on the monthly or yearly plan — or skip subscriptions entirely, pay once for the lifetime unlock, and own it forever. Pro adds: - Unlimited categories and unlimited history - Per-category monthly budgets and alerts - Unlimited savings goals - Recurring transactions and subscription tracking - Home screen widgets - Export to CSV or JSON for tax time The free tier is genuinely useful — it's the trial. Upgrade only when you outgrow it. WHY OWNSPEND Most budgeting apps want your bank credentials, charge you forever, or make you learn a methodology before you can log a coffee. Ownspend works offline, from the first tap, and keeps your financial life on your device. You own your spending — and you can own the app outright too. --- Ownspend is a personal budgeting and expense-tracking tool, not financial, investment, or tax advice. For guidance specific to your situation, talk to a qualified financial professional. Questions? Email dark2torch@gmail.com — we usually reply within a day or two. — Terms of Use (EULA): https://moathothman.github.io/ExploringIdeas-legal/clearspend/terms.html Privacy Policy: https://moathothman.github.io/ExploringIdeas-legal/clearspend/privacy.html