SpendPad vs Budgetary

Ever wonder where your money actually goes? SpendPad makes it dead simple to find out. No bank connections, no complicated setup. Just open the app and start tracking. That's it. Log your expenses and income in seconds. See exactly how much you're spending, where it's going, and how much you have left. Whether it's rent, groceries, subscriptions, or that coffee you swore you'd stop buying. BUDGETS THAT ACTUALLY WORK Set a budget for any category. SpendPad shows you in real time how close you are to your limit. No surprises at the end of the month. You'll know exactly where you stand, every single day. MULTIPLE ACCOUNTS, ONE PLACE Checking, savings, cash, credit cards. Keep them all organized in one app. See your full picture without switching between banking apps. RECURRING PAYMENTS ON AUTOPILOT Rent. Netflix. Gym. Phone bill. Set them up once and SpendPad tracks them automatically. You'll never forget a payment again, and you'll always know what's coming up. AI CHAT THAT KNOWS YOUR SPENDING Ask questions about your money. "How much did I spend on food this month?" or "Am I on track with my budget?" Get instant answers based on your actual data. It's like having a financial buddy in your pocket. REMINDERS WHEN YOU NEED THEM Get notified before bills are due. Get alerts when you're close to your budget limit. Stay on top of things without having to think about it. STATS THAT TELL A STORY Beautiful charts and breakdowns that show your spending patterns over time. Daily, weekly, monthly. Compare periods and spot trends. Finally understand your habits. YOUR CATEGORIES, YOUR WAY The default categories not working for you? Create your own. Name them whatever you want, pick an icon, and organize your finances the way that makes sense to YOU. SHARE WITH YOUR PEOPLE Managing money with a partner or roommate? Share an account and track expenses together. Everyone stays in the loop. PRIVATE AND SECURE Lock the app with Face ID or fingerprint. Your financial data stays on your device. No bank connections means nothing sensitive to leak. NO ACCOUNT REQUIRED Start using SpendPad immediately. No sign-up, no email, no waiting. Just open and go. Create an account later only if you want to sync across devices. ATTACH RECEIPTS Snap a photo of your receipt and attach it to any transaction. Never lose track of what you bought or need for returns. EXPORT YOUR DATA Need your transactions in a spreadsheet? Export to CSV anytime and take your data wherever you need it. --- SpendPad is free to use. A premium subscription unlocks unlimited accounts, budgets, categories, recurring payments, data export, and unlimited AI chat. Premium is available as a monthly subscription, yearly subscription, or one-time lifetime purchase. Subscriptions are charged to your Apple ID account at confirmation of purchase and automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel anytime in your Apple ID account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Budgetary is a private, manual-first money tracker. Log spending yourself, budget by category, split bills with friends, track loans with real EMI math and save toward goals — all stored on your phone, never linked to your bank. Track, budget, split, settle. No bank login. No automatic imports. No ads, no tracking. Every entry is yours, made in seconds with a keypad calculator, tags, line items, receipts and unlimited categories. TRACK EVERY RUPEE, DOLLAR AND EURO • Home shows income, expenses and net cashflow for any day, week or month • Wallet, card, bank and app accounts as manual containers with live balances • Unlimited categories and subcategories with their own icon and colour • Tags, line items and attachments (photos and documents) on any transaction • Multi-currency: 40 currencies, live or manual exchange rates, one display currency • Recurring income and expenses, daily to yearly, held in a Pending Approvals queue so nothing posts without you • Due Soon card for bills due today, tomorrow or in the next few days BUDGETS THAT KEEP PACE • Per-category caps for weekly, monthly, yearly or custom periods • Live progress, on-track or behind indicator and a month-end projection SPLIT BILLS, SETTLE SIMPLY • Split any expense equally or by custom shares across your contacts • Per-person balances, payment history and simplified settle-up that reduces who-owes-who to the fewest payments • Import people from your address book. Splits stay local — your friends don't need the app LOANS WITH REAL EMI MATH • EMI loans in the Debts tab: full amortisation schedule, interest accrual, record each payment, close when it's paid • Manual loans and IOUs: money you've lent or borrowed, with optional reminders SAVE AND PLAN • Savings goals with a target, optional deadline, progress ring and what you need per day, week or month • Projects: budget a trip or any plan with its own limit and dates, then settle the whole thing • Sheet view: spreadsheet-style entry with text, number, date and formula columns 21 FINANCE CALCULATORS BUILT IN Free: EMI, Simple and Compound Interest, FD, RD, SIP, Savings Goal, GST, VAT, Split with tip, Inflation, Emergency Fund, Home Affordability. Plus: Debt Payoff, Early Payoff, Step-up SIP, SWP, FIRE, Rent vs Buy, Debt vs Invest, Retirement Stress Test. PRIVATE BY DESIGN • Your ledger lives in an on-device database and is never sent to our servers • No bank linking, no account aggregation, no ad tracking, no usage analytics • Local .bdg backup to Files (optionally password-protected) and CSV export • Optional Cloud Backup (Plus) is end-to-end encrypted on your phone before upload — we never hold the key 12 LANGUAGES English, Hindi, Tamil, Spanish, Portuguese, German, French, Italian, Dutch, Japanese, Korean and Chinese. BUDGETARY PLUS Budgetary is free to use with unlimited transactions, categories and history. Plus unlocks: • Insights — monthly Recap, spending forecast, trends, net worth, cash-flow diagram, budget health score, merchant and subscription analytics • End-to-end encrypted Cloud Backup • Unlimited accounts, budgets, projects, recurring rules, savings goals and EMI loans • 8 advanced calculators, custom date ranges, whole-project settle-up, all-scope CSV export, push reminders and live exchange rates Budgetary Plus is an optional auto-renewable subscription, offered monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel any time in Settings → Apple Account → Subscriptions. Prices are shown in the app in your local currency. Terms of Service: https://budgetary.in/terms-of-service Privacy Policy: https://budgetary.in/privacy-policy Sign in with Apple, Google or your phone number to get started. Engineered by Vynnter.