Rizur vs SwiftSpend
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Rizur
Read full descriptionHide full description
Rizur makes expense tracking feel effortless. Add transactions by speaking naturally, scanning a receipt, typing the details yourself, or importing bank notification emails from Gmail. Rizur helps organize your spending so you can understand where your money goes without spending hours maintaining a ledger. Track expenses your way β’ Speak an expense naturally β’ Scan receipts from your camera or gallery β’ Enter transactions manually when you need full control β’ Import transaction details from supported Gmail messages Let AI handle the repetitive work. Rizur can extract useful details such as the amount, vendor, date, category, and payment method. Review the result, make any changes, and save. Understand your spending View monthly spending, income, cash flow, and top categories from a clear dashboard. Search and review transactions from one organized ledger. Stay in control You can review imported and AI-generated information before relying on it. Gmail access is read-only, and Rizur does not send, delete, or modify your emails. Rizur is built for people who want a faster, simpler way to keep their finances organized. AI-powered features include a limited free usage allowance. Unlimited use requires a Rizur Pro subscription, available as a separate in-app purchase. Some AI features require an internet connection. Extraction results may occasionally require correction. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
SwiftSpend
Effortlessly track your expenses in seconds using voice commands or quick manual entry. Manage multiple currencies, set budgets, and gain insights into your spending habits with AI-powered analysis. Secure and private, with optional premium features for advanced control.
- Voice-activated expense logging
- Multi-currency account management
- AI-driven spending analysis
- Customizable budget limits
- Data export to CSV
- Recurring transaction tracking
Read full descriptionHide full description
Tell the Telegram bot "taxi $8, coffee $3" β and it's logged. SwiftSpend works out the amounts and categories by itself and shows you one number: how much you can spend today and still make it to payday. Three seconds a day. No spreadsheets. No bank access. HOW IT WORKS You spend β you tell the bot, by voice or text, without opening the app. Wrong category? Fix it with one tap. Open SwiftSpend β see what's left for today and the forecast to the end of the month. BANK SMS β FORWARD IT TO THE BOT Forward a bank debit notification to the bot β it picks out the amount and offers to log the transaction. Still no access to your bank. WHAT'S LEFT FOR TODAY Your remaining money is divided across the days to the end of the month, with category limits taken into account. Spend less β tomorrow's number grows. Spend more β it shows you where to cut back. FORECAST AND AI REVIEW Based on your history, the app forecasts your spending to the end of the month β by day and by week β so you find out about going into the red two weeks early, not on payday. On the 1st, AI writes you a short personal review: where the money went and what to change. ACCOUNTS, DEPOSITS, LOANS, DEBTS Cash, cards and savings deposits in different currencies β one total balance at the current exchange rate. Deposits with interest accrued on schedule. Loans and instalment plans: payment schedule, early repayment. Debts: who owes you and whom you owe. Savings goals with progress. CAR (PREMIUM) Logged a fill-up? Enter the mileage and litres β the app does the rest: fuel consumption, cost per kilometre and all your car spending by month β fuel, repairs, car wash. TWO TAPS TO ADD Not into Telegram? The in-app keypad adds an expense in two taps. No signal? The expense is saved and syncs later. PRIVACY No bank access needed. Sign in with Apple; link Telegram later, if you want. Hide all amounts with one tap and lock the app with Face ID. FREE FOREVER Expenses and income, accounts in multiple currencies, limits, debts, goals, one loan or instalment plan, today's spendable amount, 20 voice messages and 10 bank SMS to the bot per month. SWIFTSPEND PREMIUM Forecast to the end of the month, AI review, car, mortgage with tranches and a grace period, category groups, unlimited voice and SMS, a weekly summary in Telegram, advanced analytics and higher limits. Download SwiftSpend β and by tonight you'll know exactly where your budget went. The subscription is charged to your Apple Account and renews automatically unless auto-renewal is turned off at least 24 hours before the end of the current period. Manage your subscription in your Apple Account settings. Terms of Use: https://kaib5343.github.io/swiftspend-legal/terms-of-use.html Privacy Policy: https://kaib5343.github.io/swiftspend-legal/privacy-policy.html
Screenshots
Verdict
The clearest difference is in-app purchases: SwiftSpend at none against Rizur's 1. Rizur's advantage is iOS requirement (15.6 vs 17.0). On price, update cadence, ads and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Rizur sells 1 in-app purchase, starting at $6.99 per month. SwiftSpend asks for nothing beyond the download.
Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 14, 2026 and October 13, 2026 respectively.
| Parameter | Rizur | SwiftSpend |
|---|---|---|
| Price | Free | Free |
| Positive reviews | β | 100.0% of reviews |
| Update frequency | Weekly | Weekly |
| Ads | No | No |
| In-app purchases | Yes | No β better |
| Monetization | β | Freemium |
| Devices | iPhone, iPod β better | iPhone |
| Requires iOS | 15.6 β better | 17.0 |
| Further details β not scored | ||
| Size | 54 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Keshav Kishor Ram | Ashrafulla Atadjanov |
In-app purchases
Rizur
- Rizur Premium3 Days trial$6.991 Month
SwiftSpend
No in-app purchases









