Budget iQ vs Spenso

Most people carry multiple credit cards. Transactions don't post instantly — sometimes days later. By the time your balance catches up, you've already overspent without even knowing it. Then the bill arrives, and that's when the damage shows. Budget iQ fixes that. Log what you spend the moment it happens. Set your limit, track in real time, and always know exactly where you stand — no surprises when the statement drops. KEY FEATURES — A number that actually means something. Not your balance. Not your credit limit. Your spendable — what's truly left after bills, savings, and real life. — A ring that tells the truth. Watch your progress ring fill in real time. Gold means you're barely getting started. Green means you're in a safe zone. Yellow means slow down, you're getting close. Red means stop — you're at the edge. No guessing, no spreadsheet required. — Spending broken down, not buried. See exactly how much went to groceries, gas, dining, and everything else — with visual charts that make patterns impossible to ignore. — Insights that connect the dots. See your daily average spend at a glance, your top spending categories ranked by how much of your budget they're eating, and a full category-by-category breakdown — so the patterns show up before they become a problem. — Money in, tracked separately. Cashback, dividends, gifts from mom — money that flows in but isn't income. Budget iQ catches it all so your picture is always complete. — A plan before the month hits. Map out income, bills, and savings in advance. Know your spendable number before you swipe once. — Set limits by category, not just overall. Give groceries $400, dining $150, gas $100 — whatever fits your life. Budget iQ tracks each one separately, so you know the moment dining starts creeping past its line, not just when your whole budget does. — Rollover or fresh start — you choose. Leftover budget at the end of a period? Roll it forward and reward yourself. Or wipe the slate, start clean, and bank your leftover. Your call, every time. — Tag it, then find it. Ever try to remember how much that trip to Cancun actually cost — flights, food, the random Uber rides — three months later? Or how much you've spent on her this year across multiple scattered credit cards? Your bank statement can't tell you. It just sees amounts, not stories. Budget iQ does. Tag any transaction — #vacation, #her, #trips — and later, just search the tag. See the total, see every purchase, instantly. The story behind your money, finally in one place. — History that actually teaches you. Every transaction archived by period. Scroll back, spot the patterns, reconcile your credit cards, and finally understand where it all went. — Your rules, your schedule. Daily, weekly, or monthly — budget on your cycle, not the calendar's. NO BANK LINKING. NO DATA SELLING. JUST HONESTY. Other budgeting apps ask you to link your bank account, scan your subscriptions, even pay your bills for you. It sounds helpful — until you realize what's really happening. Your financial data becomes their product, sold to advertisers and data brokers while you're left wondering why your inbox is suddenly full of "personalized offers." Budget iQ doesn't want your bank login. We don't need it. You log your spending, you stay in control, and your data stays yours. Because the goal was never to automate your finances away from you. It's to help you actually see them. You can't fix what you can't see — and once you can see it, you're already halfway to fixing it. Download Budget iQ today and start seeing where your money actually goes.

Turn a quick note, receipt, or invoice into an organized expense, without wrestling with forms or complicated dashboards. Write “Coffee 4.50”, describe several purchases in one message, or scan a receipt. Spenso picks out the important details, prepares expense drafts, and lets you review everything before saving. SCAN RECEIPTS AND INVOICES Scan a paper receipt or invoice with your camera, or import a photo or PDF. Spenso AI reads the details and prepares expense drafts for you to check, edit, or discard. Document processing requires an internet connection. KEEP THE DOCUMENT WITH THE EXPENSE Save the source photo or PDF alongside your expenses, so you can open it later to check a total or find a purchase detail. Keep your receipts and spending history together. QUICK CAPTURE, IN YOUR OWN WORDS Enter an expense the way you would naturally say it. Spenso recognizes amounts, merchants, dates, categories, and tags, with on-device processing whenever possible. SIRI AND DICTATION Tell Siri what you spent when your hands are full, or dictate directly in Spenso. Record one expense or several, then confirm, edit, or discard the drafts before anything is saved. A CLEAR DAILY HISTORY See your spending organized by day. Open an expense to adjust its amount, date, category, tags, or note whenever you need to. MONTHLY OVERVIEW Understand where your money went with clear monthly totals and category breakdowns. Open a category to see the expenses behind the total. ORGANIZE IT YOUR WAY Create categories and tags that fit your life. Use separate spaces for personal, travel, or project spending, each with its own currency, categories, and tags. PRIVATE BY DESIGN Saved expenses live on your device and in your private iCloud database. AI and Siri results remain drafts until you explicitly confirm them. Spenso is an expense log, not a budgeting app. Keep a useful record of what you spend without adding another system to maintain. LEGAL Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://getspenso.com/legal/privacy-policy Terms of Service: https://getspenso.com/legal/terms-of-service