SpendZy vs BorrowLog

SpendZy is your all-in-one personal finance companion — track expenses and income, manage money you lend or owe, hit savings goals, and even run chitti groups. AUTO-TRACK FROM BANK MESSAGES Set up a Shortcut once and SpendZy can automatically log expenses and income from your bank SMS and UPI notifications. No manual entry for every transaction. EXPENSE & INCOME TRACKING • Log spending and income with categories and notes • See daily, weekly, and monthly summaries • Search and filter your full history • Home screen widget for quick add LEND & OWE • Track money you lent or borrowed • Set due dates and get reminders • Organize contacts into folders • Record partial payments and settlements SAVINGS GOALS • Create goals with targets and deadlines • Track progress at a glance • Stay motivated with visual progress CHITTI MANAGEMENT • Manage fixed or variable chitti schemes • Track members and monthly payments • See who has paid and what’s outstanding MORE YOU’LL LOVE • Multi-currency support • Local backup and restore • Google Drive backup (Premium) • Dark mode and multiple languages • Daily expense summary notifications SPENDZY PREMIUM • Auto-track from bank messages • Due date reminders • Unlimited lend/owe folders • Unlimited savings goals • Google Drive backup & restore Take control of your money — from everyday spending to loans, savings, and chitti — all in one clean, simple app.

BorrowLog helps you keep a clear and reliable record of money borrowed and lent between friends, family members, colleagues and other trusted contacts. Instead of relying on messages, handwritten notes or memory, BorrowLog keeps repayment details, balances, interest and payment history organised in one convenient place. With BorrowLog, you can: • Record money you have borrowed or lent • Invite the other person to view a shared record • Track full and partial repayments • See outstanding and repaid balances • Calculate agreed interest • Create structured repayment plans • Set payment dates and reminders • Monitor repayment progress • Add notes to each borrowing or lending record • Maintain a transparent transaction history SHARED RECORDS Create a record and share it with the other person involved. Both parties can view the agreed amount, repayment details, remaining balance and payment history. REPAYMENT TRACKING Record full or partial repayments and keep an accurate overview of how much has been paid and how much remains outstanding. INTEREST CALCULATIONS Add an agreed interest rate and let BorrowLog calculate repayment amounts clearly. This helps both parties understand the expected repayment terms. PAYMENT PLANS AND REMINDERS Create repayment schedules, set due dates and receive reminders for upcoming or overdue payments. CLEAR AND ORGANISED HISTORY Keep borrowing and lending information separate from chats, notes and spreadsheets. Every update remains organised within the relevant record. BorrowLog is designed for personal agreements between people who already know and trust each other. It helps reduce confusion by keeping the details transparent and easy to understand. BorrowLog does not provide loans, transfer money, make lending decisions, collect repayments or connect users with commercial lenders. It is a private record-keeping, calculation and reminder tool for agreements made outside the app. Keep borrowing and lending organised with BorrowLog.