Heo vs Shareful

All Your Money. Finally, One Number. Heo is a multi-currency expense tracker for people who spend across borders, apps, and wallets. Log a coffee in seconds, watch every account roll up into your home currency, and finally know exactly where your money goes. WHY YOU’LL LOVE HEO LOG EXPENSES IN ONE TAP Add an expense with a single tap. Heo learns your habits and suggests the right category based on the amount and time of day, so most entries are finished before you even think about them. EVERY CURRENCY, ONE TOTAL Track cash, bank accounts, cards, and e-wallets in any currency. Heo automatically converts everything into your preferred home currency, giving you one clear view of your finances. No spreadsheets. No mental math. SUBSCRIPTIONS MADE SIMPLE Adding recurring bills takes seconds. Heo suggests popular subscriptions in your country and pre-fills a typical price, which you can adjust to match your actual plan. HANDS-FREE EXPENSE LOGGING (PRO) Capture expenses your way: * Type naturally, like “coffee 65k” * Speak it out loud * Scan a receipt Heo automatically extracts the amount, merchant, and category for you. BUDGETS THAT WARN YOU EARLY Set spending limits for any category and receive a gentle heads-up before you exceed your budget, not after. INSIGHTS YOU’LL ACTUALLY READ Simple charts help you understand: * Where your money goes * How much you earn * How your spending changes over time HOME SCREEN WIDGETS Log expenses directly from your home screen and keep your balances just a glance away. PRIVATE BY DEFAULT Your financial data stays yours. * Face ID and PIN protection * Start without creating an account * Connect an account later for backup and sync SPEAKS YOUR LANGUAGE Available in: English Tiếng Việt 简体中文 日本語 한국어 ไทย Bahasa Indonesia Money Is Stressful Enough. Heo makes expense tracking quick, clear, and genuinely pleasant to use. Spend less time tracking money. Spend more time enjoying it.

Shareful is the expense engineering engine for anyone who's ever said "let's just split it evenly" and regretted it. Whether it's a weekend trip, a shared flat, a couples' budget, or splitting dinner with friends, Shareful tracks who paid, who owes, and who's square — automatically, fairly, and without the group-chat math. SCAN A RECEIPT, DONE Point your camera at a bill and Shareful reads the merchant, amount, currency, and date for you — no manual typing. Just confirm and split. SPLIT IT YOUR WAY Equal splits for the simple stuff, custom splits for the rest. Multiple people paid for one expense? Shareful handles multi-payer splits too, so the math is never forced to fit a shape it doesn't. ALWAYS KNOW WHERE YOU STAND Real-time balances for every group, updated the moment an expense is added. See exactly who owes whom, and settle up with one tap when it's time to square things away — including cross-currency settlements if your group spans more than one currency. TALK IT OUT, RIGHT ON THE EXPENSE Something look off? Open a quick chat thread on any expense to sort it out with your group — no need to leave the app or dig through old messages. NEVER FORGET A RECURRING BILL Rent, subscriptions, utilities — set a recurring expense once and Shareful logs it automatically every cycle. SEE THE BIGGER PICTURE Group Insights breaks down spending by person, category, and month. My Stats shows your own cross-group history — who you split with most, and how your balances trend over time. MOVING FROM SPLITWISE? Import your existing groups and expense history directly from a Splitwise CSV export — no starting over. BUILT FOR HOW YOUR GROUP ACTUALLY WORKS Works offline, syncs when you're back online Attach receipts and documents to any expense Invite people by link, no account required to join Available in 8 languages YOUR DATA STAYS YOURS Shareful doesn't sell your data, doesn't run ads, and doesn't track you across other apps. It's not a payment app either — Shareful tracks who owes whom on paper; it never touches your bank account, card, or UPI details. Splitting shared costs shouldn't feel like a second job. Shareful keeps it fair, transparent, and out of your group chat.