Tappel vs No Spend Tracker

Your spending never leaves your iPhone. No account, no server, no sign-up — just the fastest way to see where your money goes. Tappel is a private spending tracker built deep into iOS. Log an expense in two seconds from Siri, the Action Button, a widget, or an NFC tag — or wire an Apple Pay automation and let purchases log themselves. Point the camera at a paper receipt and the total, the shop and the date fill themselves in. WHY TAPPEL • Private by architecture — everything stays on your device and your own iCloud. The App Store privacy label reads "Data Not Collected" because there is nothing to collect. • Two-second capture — Siri, the Action Button, widgets, NFC and App Intents. • Pay once, own it forever — the personal app has no subscription. Subscription fatigue is why Tappel exists. FEATURES • Receipt scanning — read on your phone; the photo is never saved or sent • Every currency — European Central Bank rates where it publishes them, a daily market rate for the rest, cached on-device • Calm monthly budgets — over budget reads in ink, never red • Recurring radar spots subscriptions before they surprise you • Insights — category breakdown, six-month trend, top merchants • Face ID lock • Custom categories — presets or your own • Export as CSV or JSON, import from CSV, any time • Family budget — share one limit, or none; each member uses their own Lifetime; individual purchases stay private • iCloud sync between your iPhones • Tappel Business, for companies in Poland — invoices sent to and downloaded from KSeF, costs, a monthly summary and a package for your accountant; three documents free No bank login. No ads. No tracking. Just your money, quietly tracked. SUBSCRIPTION Tappel Business is an optional auto-renewable subscription, sold in Poland: 19.99 PLN a month or 149 PLN a year, with a 7-day free trial. Payment is charged to your Apple Account. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel it in your App Store account settings. Terms of Use: https://tappel.io/terms/ Privacy Policy: https://tappel.io/privacy/

Spend with greater intention, one day at a time. No Spend helps you complete practical spending challenges without connecting your bank account or building a complicated budget. Choose a challenge, decide what is allowed, set genuine exceptions and follow one clear rule each day. CHOOSE A PRACTICAL CHALLENGE Start with ready-made challenges including: • No-Spend Day • No Takeaways Week • No New Clothes Month • Use What I Already Own • Pantry-First Week • Cancel Three Subscriptions • No Impulse Weekend KNOW TODAY’S RULE Your Today screen shows exactly what your current challenge asks of you. Allowed spending, restricted categories and agreed exceptions remain visible, so you do not have to remember complicated rules. CHECK IN WITHOUT GUILT Record each day as: • Successful • Successful with an allowed exception • Partially successful • Challenge broken • Not yet checked in A difficult day does not erase the progress you have already made. Continue tomorrow, adjust your challenge, restart or finish when it is right for you. RECORD TEMPTATIONS Log something you nearly bought, what triggered the urge and whether you resisted, postponed or purchased it. Amounts are always optional. No Spend only includes money in your totals when you explicitly enter it. TRACK REAL PROGRESS See: • Successful challenge days • Strict success streak • Participation streak • Challenges completed • Temptations resisted • Money intentionally not spent • Milestones and challenge history Different currencies are kept separate rather than combined into an inaccurate total. BUILD YOUR OWN CHALLENGES No Spend Premium adds custom challenge creation, configurable rules and exceptions, advanced progress insights, additional widgets, export formats and other planning tools. PRIVATE BY DESIGN No account is required. Your challenges, check-ins, spending events and reflections stay on your device. No Spend does not connect to your bank or require access to financial accounts. Optional local notifications can remind you about today’s challenge or evening check-in. Notification previews can be kept private. No Spend is a behavioural planning tool. It does not provide financial, debt, investment, medical or legal advice. Essentials, necessary purchases and genuine emergencies should always remain allowed. We use standard terms: "Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/"