Welmio vs Raqib

Welmio is a personal finance app designed to help you understand and organize your money in a simple, visual way. Track your financial activity, follow your goals, and review your progress from a clean and focused interface. Welmio helps you build better money habits by keeping your personal finances easy to access and easier to understand. Whether you are reviewing your spending, checking your progress, or planning your next financial goal, Welmio gives you a simple space to stay in control. Key features: • Track your personal finances • Follow financial goals • Review your progress • Keep your money habits organized • Use a clean and simple interface Welmio is built for personal organization and educational purposes only. It does not provide investment, tax, legal, or personalized financial advice.

Raqib keeps every receipt in one place and tells you what your month looks like — in English or Arabic, in your own currency. CAPTURE ANY WAY YOU LIKE • Photograph a paper receipt. Raqib reads the merchant, total, date, items and payment method in one go. • Paste a receipt link from an SMS. • Import a bank statement PDF and turn its rows into receipts. • Connect your mailbox (read-only) and let e-receipts arrive on their own. • Leave the app while a photo or statement is being read. A notification tells you when it is ready. KNOW BEFORE IT COSTS YOU • Return windows: a reminder two days before the last day to return something, and again on the day. • Subscriptions: which charges recur, what they add up to per month, and a note when a price goes up. • Budget: a monthly figure, a forecast for where the month lands, and a nudge at 80% and 100%. SEE WHERE IT GOES • Spend by category with month-over-month change. • Top merchants, with a page for each one. • Search by shop, amount, note, card or a range like 10–50. PRIVATE BY DESIGN • Receipt photos stay on your phone. They are read once and never stored on our servers unless you choose to keep a copy in your account. • Mailbox access is read-only, and only the receipt details are kept — never your emails. • Export everything as JSON or CSV, or delete it all, any time.