Budgsy vs SpendSteps

Meet "Budgsy". Your All in one budget and finance manager app. Budgsy is the simplest way to stay ahead of your every bill, subscription, and monthly spending budget — track loans, split group costs, set budgets, and never get surprised by a subscription invoice that you forgot or miss an installment for your EMI/loans again. RECURRING BILLS, NEVER MISSED Add rent, utilities, insurance, subscriptions — anything that repeats. Budgsy tracks the due date, frequency, and tax automatically, and reminds you before it's due (same day up to 30 days ahead). SPLIT COSTS WITH FRIENDS Going on a trip or sharing house expenses? Create a split group, add members, log shared expenses, and let Budgsy calculate exactly who owes what. Share a link so everyone can follow along in real time. TRACK LOANS EASILY Log money you lent or borrowed. Share a link with the other person so both sides stay in sync — no more awkward "do you remember how much?" conversations. MONTHLY BUDGETS Set spending limits by category and see how close you are in real time. Know before you overspend, not after. SPENDING TRACKER Log everyday purchases separately from your bills. See where your money actually goes each month with a clean monthly breakdown. SAVINGS GOALS Saving for a trip, a new phone, or an emergency fund? Set a target, log deposits as you go, and watch the progress bar fill. EXCHANGE RATES Live currency rates for 50+ currencies, always up to date. Useful when tracking expenses across multiple currencies. BACK UP YOUR DATA Sign in to automatically back up everything to your account. Switch phones or reinstall — your data is always safe and ready to restore. BUILT FOR REAL LIFE • Multi-currency support • Reminders up to 30 days before due date • Partial payments and payment history • Works offline, syncs when connected

SpendSteps is a beautifully simple expense tracker that keeps every number on your device. Log spending in seconds, ask where your money went in plain language, and stay ahead of your budget. WHY SPENDSTEPS - Private by design. Your data lives on your phone — including the AI that answers your questions. There's no login and no cloud account required to get started. - Fast to log. Quick-add an expense or income in a couple of taps, with an optional note. - Made to look at. A clean, calm interface with light and dark themes. LOG WITHOUT LIFTING A FINGER - Auto-log Apple Pay: a one-time Shortcuts setup logs every Apple Pay purchase silently, with a guided walkthrough in the app. - New Apple Pay cards are added as accounts automatically, and gas-pump holds are flagged so you can enter the final amount. - SpendSteps learns your merchants — file a purchase once and future ones are categorized for you. - Glance at your recent entries right from the record screen to confirm a save or undo a mistake. ON YOUR WRIST AND HOME SCREEN - Apple Watch: see this month's spending and your budget at a glance, and log a spend with the Digital Crown. - Add SpendSteps to your watch face to log or check your budget in one tap. - Home Screen widgets show your spending and budgets, and let you log without opening the app. TRACK EVERY PURCHASE - Scan receipts with your camera or photo library and attach them to a transaction — in any of the app's supported languages. - Multi-currency support with live or cached exchange rates, converted to your base currency. Change your base currency any time and convert your existing amounts. - Browse transactions as a list or on a calendar, and search or filter instantly. - Split one purchase across several categories. KEEP YOUR ACCOUNTS STRAIGHT - Create accounts for your cash, cards, and bank accounts, and manage them in Settings. - Pick an account on every transaction, right where you log it. - See an account breakdown in Insights to know which one your money flows through. BUDGETS & INSIGHTS - Set monthly spending limits by category and see how much is left at a glance. - Get an alert when a budget is almost used up, and when you go over. - Spot trends with weekly, monthly, and yearly charts for spending and income. - Get a monthly recap on the 1st of each month. JUST ASK - Ask about your spending in plain language — "what did I spend most on?", "how does this month compare to last month?", "what was my biggest purchase this year?" - Every answer comes with the chart or list behind it, so you can check the figures. - Answers are worked out on your iPhone: your questions and transactions never leave it, and nothing trains on them. - Requires Apple Intelligence (iPhone 15 Pro or later); hidden where it can't run. NEVER MISS A BILL - Log recurring payments, from subscriptions to bills, automatically. - Get a reminder before each bill or subscription is due. - Choose weekly, biweekly, monthly, or yearly, pause any time, and always know your next charge. ORGANIZE YOUR WAY - Customize categories with your own names, colors, and icons. - Start fast with a built-in set: Snack & Drink, Groceries, Transport, Shopping, Bills & Subscriptions, and more. YOUR DATA, YOUR CONTROL - Lock the app with Face ID or your passcode. - Export all transactions to CSV, edit in a spreadsheet, and import them back — re-importing the same file never creates duplicates. - Share any month as a PDF report, for a partner, an accountant, or your records. - Available in English, Simplified Chinese, Traditional Chinese, Japanese, Korean, Spanish, French, German, Italian, Portuguese, Hindi, Indonesian, Vietnamese, and Arabic. SpendSteps is a fast, private way to know exactly where your money goes. Download SpendSteps and take control of your spending today.