Minto vs SpendPouch

TAKE CONTROL OF YOUR FINANCES WITHOUT THE COMPLEXITY Minto is an expense tracker that helps you track expenses, manage budgets, record income, and understand your spending habits in one simple app. Whether you're recording a daily coffee, tracking monthly bills, or planning a budget, Minto makes managing money quick and effortless. LET AI DO THE WORK Minto includes AI-powered transaction entry designed to reduce manual effort. • Simply speak your transaction and let Minto create it for you • Type transactions in natural language and let AI fill in the details automatically • Enjoy faster entry with less typing and fewer taps TRACK EXPENSES YOUR WAY • Record expenses and income in seconds • Organize transactions with categories and notes • Track recurring expenses and recurring income • View all your finances in one place STAY ON BUDGET • Create monthly budgets • Set category-wise spending limits • Monitor your spending throughout the month • Stay in control of your finances GAIN BETTER FINANCIAL INSIGHTS • View spending trends and category breakdowns • Analyze expenses across categories • Track income and expenses in one place • Understand your spending habits with clear insights RECURRING TRANSACTIONS MADE EASY • Add recurring expenses once and let Minto create future entries automatically • Manage recurring bills and income with less effort • Reduce repetitive manual entry BUILT FOR EVERYDAY USE • Automatic currency conversion • Multi-currency expense tracking • Import and export transactions using Excel • Clean and simple interface SUBSCRIPTION INFORMATION • Minto is free to use, with optional Premium features • Premium unlocks budgets, Excel import and export, and unlimited AI-powered transaction entries • Choose between monthly and yearly plans • Subscriptions renew automatically unless cancelled through your App Store account settings Whether you're looking for an expense tracker, budget app, money manager, spending tracker, budget planner, or personal finance app, Minto helps you stay organised and understand your finances with less effort. TERMS OF USE https://www.get-minto.app/terms-of-service PRIVACY POLICY https://www.get-minto.app/privacy-policy

SpendPouch is a private expense and income tracker with a receipt vault, built for freelancers and small businesses that want simple records without bank sync. Log expenses and income manually, issue a simple invoice and track when it's paid, attach receipts or PDFs, review local OCR output before saving, and keep the documents you may need later for returns, warranties, reimbursement, or your own business records. SpendPouch focuses on a calm manual workflow first. What you can do: Track expenses quickly Create manual entries with amount, merchant, date, category, and notes. Make your own categories Add custom categories with a name, icon, and color alongside the built-in set. Track income and issue invoices Log income alongside expenses, issue a simple invoice for a client with a due date, and mark it paid when it's settled. SpendPouch books the income on the date you mark the invoice paid, not the date you issue it, and never counts VAT as income. These are your own records, not tax advice. Mark business spending and VAT Flag an expense as business or tax-deductible and set a VAT rate. SpendPouch fills the inclusive tax and shows a clear net, VAT, and gross split, with monthly business, deductible, and VAT totals in Insights. These are your own records, not tax advice. Use voice capture Hold the add button to speak an expense, then review the editable draft before saving. Voice capture uses Apple's iOS speech recognition to create an editable transcript; SpendPouch never sends your audio to its own servers or the AI provider. Speed up receipts with optional AI Assist Snap a receipt or PDF and let optional AI Assist extract the VAT, total, merchant, and date, so a messy receipt becomes a reviewed, categorized expense in one step. Only the on-device text is sent to the AI provider — never your receipts, images, or audio — and you review every field before it is saved. AI Assist is a separate, optional, pay-as-you-go add-on; manual tracking, voice, and local OCR always work without it. Keep receipt and PDF proof Attach receipt photos and PDFs to expenses, then browse them later in the vault. Review local OCR Use local OCR preview for receipt/PDF review without treating extracted text as final financial truth. See income, spending, and profit at a glance A money-story dashboard shows this month's income, expenses, net (profit), invoices still outstanding, and an amount you choose to set aside for tax — tap any figure to see the entries behind it. This is an informational summary you control, not a tax calculation. Export your records Prepare a CSV export for any date range, including business, VAT, and tax-deductible columns. Freelancer also bundles a one-tap accountant export pack: a CSV, a profit-and-loss summary, and every matching receipt file in a single zip you share with your accountant. Stay private by default Your expense amounts, merchant names, notes, voice transcripts, receipt/PDF contents, OCR text, and exports stay on device by default. SpendPouch does not use bank sync, advertising tracking, product analytics SDKs, or session replay in the first release. Choose your plan Start free: log expenses and income manually, make custom categories, keep a receipt and PDF vault with on-device OCR review, capture by voice, see a simple monthly picture, and export a CSV — all on device. Freelancer unlocks the full app plus the business toolkit: unlimited tracking, business, deductible, and VAT/KDV flags with a net, VAT, and gross split, income tracking with a profit/loss view, invoicing with due dates and mark-as-paid, and the one-tap accountant export pack (a CSV, a profit-and-loss summary, and every matching receipt in one zip). Freelancer is free for 7 days for new subscribers and includes an optional AI Assist receipt allowance when AI features are enabled. SpendPouch is for personal organization. It does not provide financial, investment, tax, legal, or guaranteed-savings advice.