Fairlyd vs SpendCheck

Fairlyd is a free bill splitter and group expense tracker built for groups that aren't all the same size - families, couples, and solo friends sharing one trip, one house, one dinner bill. Splitting gets awkward when groups aren't equal. Different households. Different sizes. One bill. And that awkward silence when it's time to figure it out. Fairlyd ends it. Tell us who's there - adults, kids, whole families - and it works out what everyone owes. No spreadsheets, no mental math, no awkward conversations. START IN SECONDS, NO SIGN-UP Tap once, you have a group. Share one invite code and people join in seconds - no account needed on their end either. Want your groups synced across devices? A free account takes a minute, whenever you feel like it. EVERY EXPENSE SPLITS ITS OWN WAY Real groups don't split every bill the same way - so in Fairlyd, every expense picks the split that fits: - The buffet that bills by age? Per-person rates - adults $30, kids $18, infants free - or simple ratios where kids count half - Museum tickets the kids skipped? Adults only - Gas for the one shared car? Split it equally - One receipt, everyone's own stuff? Custom amounts, to the cent - Only some of you shared it? Any expense can include just those people - every expense picks its own participants and its own split And when a tip or discount moves the bill past the per-person math, Fairlyd spots the difference and adjusts every share to match. Just put in what happened. SPENT IT IN EUROS, SETTLE IN DOLLARS Paid the hotel in euros and the ferry in pounds? Log each expense in the currency you actually paid - live exchange rates convert everything back to your group's home currency, and every expense keeps the rate it used. FOR TRIPS, ROOMMATES, AND EVERYDAY LIFE Vacations, ski weekends, shared apartments, family reunions, dinners out - anywhere one person pays and everyone owes: - Spotty signal? Groups stay readable and sync when you're back - A push notification when someone adds an expense or settles up - When it's time to settle up, Fairlyd collapses everything owed into the fewest possible payments - Export any group's full history as PDF or CSV THE DETAILS YOU END UP LOVING - Add people to a group before they've joined - they claim their spot with the invite code and everything's waiting for them - A QR code on the invite screen, for when typing a code is one step too many - Payment reminders that do the nudging, so you don't have to be the bad guy - An activity log so nobody asks "wait, who added that?" - Pin the groups you use all the time; settled trips tuck themselves away - A spending breakdown that shows where the money actually went - Lost access mid-trip? Rejoin links get you back in YOURS, NOT OURS - Groups are invite-only. No public profiles, no discovery, no strangers - No ads. No tracking. Nothing sold, nothing shared - Delete your account and its data any time, straight from Settings ONE HONEST NOTE Fairlyd keeps score; it doesn't move money. It shows who owes whom - how you actually pay each other is your business. Create your first group in ten seconds. No sign-up, no card, no catch.

SpendCheck is the expense tracker for people who just want to see where their money goes — without accounts, ads, subscriptions, or a single byte leaving their phone unless they choose otherwise. Everything you log lives only on your device by default. There's no sign-up, no ads, and no analytics — and no company, including us, that can see your spending. You can explicitly turn on encrypted backup to your own cloud storage. Open the app and start tracking in seconds. WHY YOU'LL LIKE IT • Fast entry — A bank-app-style keypad lets you punch in an amount and save an expense in a couple of taps. No fiddly decimal typing. • Expenses, refunds, and investments — Track money going out, money coming back, and money you've moved into brokerage or crypto platforms. Investments are kept separate so they never inflate what you "spent." • Receipt photos, made searchable — Scan a receipt with an auto-detecting document scanner (multi-page in one go), crop it anytime, and search for anything printed on it later, even if you never typed it in. All text recognition happens right on your device. • Encrypted Backup & Restore — Back up your expenses and receipts to your own cloud storage — iCloud by default, or anywhere you choose — protected by a passphrase only you know. Nobody but you, not even SpendCheck, can read it. Fully optional, and off by default. • Recently Deleted — Delete something by mistake? It's recoverable for 14 days, not gone the moment you swipe. • Smart categories — As you type a business name, SpendCheck pre-fills the category you last used there. Less thinking, faster logging. • Recurring expenses — Mark something as weekly, monthly, or annual and it logs itself automatically — perfect for subscriptions, rent, and yearly renewals. • Clear summaries — See what you spent this week and this month, a breakdown by business and by category, and a simple chart — all for any month you pick. • Export anytime — Send a clean CSV of your full history to Files, Numbers, Excel, or Google Sheets whenever you want a backup. • Make it yours — Pick an accent color to match your style. PRIVATE BY DESIGN SpendCheck stores everything locally using Apple's on-device database. There is no server, no login, and no tracking. Your financial life is nobody's business but yours. If you ever turn on Backup & Restore, that backup is encrypted on your device before it ever leaves it — your passphrase, your cloud storage, and no way for anyone (including us) to read it without that passphrase. FREE SpendCheck is free to use. No ads, no data selling, no catch. Questions or feedback? Reach us in one tap from Settings → Send Feedback, or through the contact link on our website.