Spento vs Wallymanager

Take complete control of your personal finances with Spento—the smart, flexible, and automated budget tracker designed to simplify your financial life. Whether you want to set a weekly allowance, co-manage household expenses with your partner, or simply talk to an AI assistant to log your daily coffee, Spento makes financial tracking effortless and personalized. KEY FEATURES SMART AI EXPENSE TRACKING No more tedious forms. Simply chat with our built-in AI assistant. Type natural sentences like "I bought a coffee for $5" or "Spent $45 on groceries," and watch as the AI logs, categorizes, and updates your budget instantly. AUTOMATED APPLE WALLET TRACKING Let the app do the work. Seamlessly leverage system automation to capture, parse, and categorize expenses in real-time the moment you pay with Apple Wallet or Apple Pay. FLEXIBLE RECURRENT BUDGETS Every financial journey is different. Set up budgets that fit your unique income cycle: Weekly Budgets: Select your preferred starting weekday (e.g., Monday or Wednesday). Monthly Budgets: Customize your cycle start date to match your payday. Yearly Budgets: Long-term planning with custom month and day starting offsets. SHARED BUDGETS & REAL-TIME SYNC Managing money together has never been easier. Generate a unique invite link to share your budgets with family, partners, or roommates. Log transactions, update balances, and visualize shared categories in real-time. TAILORED CATEGORIES & DESIGN Make it yours. Create custom categories by choosing from a vibrant color palette and hundreds of premium icons. Unselected items remain clean and lightweight, while active ones pop. INSIGHTS & EXPORT Category Breakdown: View clean charts detailing your spending behaviors. Budget History: Easily look back and check previous budget cycles. Data Export: Need deeper analysis? Export your transaction histories directly to CSV files for use in your favorite spreadsheet software. OFFLINE-FIRST & SECURED Your data is synced securely in the cloud, allowing you to access it from any device. Going offline? Spento caches your settings and maps periods locally so you can continue adding transactions anytime without network issues. UPGRADE TO PRO FOR UNLIMITED FREEDOM Unlock the full potential of Spento: Unlimited AI expense logging via chat Automatic Apple Wallet tracking integration Unlimited custom categories Ad-free experience Start tracking smarter today. Download Spento and take the first step towards your financial freedom! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Wallymanager shows you where your money goes. Record income and expenses, set monthly budgets per category and follow your savings goals — on your own, with a partner or with the whole family. Available in 10 languages and 40 currencies. Free • One personal wallet with income, expenses and your own categories • Monthly and yearly spending charts • Up to four monthly budgets per category • Up to four recurring transactions (weekly or monthly) — rent, salary and subscriptions enter themselves • Transaction export to CSV, PDF or XLSX for any range up to 3 years • App lock with Face ID or Touch ID • Sign in with email, Apple or Google Premium • Multiple wallets — home, travel, a side project • Shared wallets: invite a partner or family, assign roles and permissions, and see who spent what • Savings funds with a target amount, a deadline and visible progress • Unlimited recurring transactions, plus suggestions for repeating payments found in your history and checked by AI • AI receipt scanning: take a photo or upload a receipt (image or PDF) and AI drafts the merchant, amount and category. You review and confirm before anything is saved. • AI insights: monthly and yearly summaries and an AI budget coach • Advanced analytics: spending heatmap, category trends and waterfall analysis • Business wallets with dedicated categories and business insights — revenue, profit, margin, cash health and your largest cost drivers • Cash-flow forecast and Accounting Prep — a yearly archive of transactions and receipts organised by month, ready for your accountant (business wallets) • Alerts for budget limits, shared-wallet activity and savings milestones • Wallet backup and restore (XLSX) • Custom icons and images for categories and wallets Who it's for Individuals, couples and families, solo entrepreneurs, and small and medium businesses — one app, built for every way you manage money. Privacy and security • Your data is encrypted in transit. • AI features run only after you opt in, and you can turn them off at any time. When they are on, your spending data and receipt contents are sent to an external AI provider solely to generate your insights and read your receipts. • Delete your account directly in the app. • Receipt images are kept for 12 months, then deleted automatically. AI results are assistive and can contain mistakes — please check them. Wallymanager helps you organise your finances; it does not provide financial, investment or tax advice. Premium is an auto-renewing subscription through the App Store. Manage or cancel it at any time in your Apple Account settings.