Kesto vs Split Wisely

Two people, one set of numbers. No bank login, ever. Kesto gives a couple one shared budget that lives on both phones at once. Log a spend in about three seconds, and what is left updates for both of you immediately. Nobody has to ask, nobody has to remember, and nobody finds out at the end of the month. WHY COUPLES USE IT Money goes missing between two people in small amounts nobody remembers approving: coffees, parking, a supermarket run each. Agreeing on a limit once is easy. Seeing where you stand every time you pick up your phone is what actually changes anything. WHAT YOU GET • One plan, both phones. Groceries $520 a month, Outings $90 a week: each budget refills on its own rhythm, and you both see the same remaining amount the moment it changes. • The number you actually want, first. Home opens on what is left once the bills still to come are out of it, and reads it against the day: level with the date, ahead of it, or spending faster than the days pass. • Three-second logging. Tap the budget, type the amount, done. Categories, notes and photos are there when you want them and never required. • Bills counted first. Rent, energy, insurance and subscriptions come off the top before anything is called spendable, each one showing what it really costs you in a year. • A what-if before you spend. Type an amount and Kesto answers from the real plan: what it leaves, and whether the month still reaches payday. • Lock Screen widgets. What is left, on both phones, before you even unlock. • Live partner updates. One of you logs a spend, the other gets a notification with the new number, and both widgets follow it. • Where it went. By budget, by category, and by which of you spent it. No blame, just the number. • Moments. Name a weekend away or a party, and every spend from both of you lands in it, whichever budget paid for it. • Payday to payday. Each pay month closes into a record you can reopen, so progress is something you see instead of something you remember. • Optional smart helpers. Photograph a receipt or a bill, or say a spend out loud, and Kesto fills the form in for you to check. With no signal, your phone reads the receipt itself. NO BANK LOGIN Kesto never asks for your bank credentials. There is no connection to go stale, nothing to leak, and it works with any bank in any country. When you want to check yourself, you read your own balance and type it in; Kesto tells you the difference and where it went. BUILT FOR TWO, USABLE BY ONE A partner is optional and joins later with a six-character code. Everything works offline and syncs when you are back. English, Dutch and Persian, in any currency, priced for the country you live in. FREE, AND HONEST ABOUT THE REST The budget is free forever: unlimited budgets, both partners, widgets, partner notifications, three months of history, and an export and backup that always hold everything you have ever logged. Five smart helpers a month are free too, so you can see what they do first. Kesto Plus adds 300 helpers a month, a number we print instead of the word "unlimited", and opens your history back to your first spend. Kesto Plus Pro doubles that to 1000. One purchase covers both partners. SUBSCRIPTION DETAILS Kesto Plus and Kesto Plus Pro are auto-renewable subscriptions, offered monthly or yearly, and one purchase covers both partners in the household. A lifetime unlock is also available as a one-time purchase. Prices are shown in your currency before you buy. Payment is charged to your Apple Account at confirmation. The subscription renews automatically for the same period unless you turn renewal off at least 24 hours before the current period ends, and your account is charged for renewal within 24 hours before the period ends. Manage your subscription or turn off auto-renewal in your Apple Account settings after purchase. Terms of Use (EULA): https://kesto-budget-app.web.app/terms Privacy Policy: https://kesto-budget-app.web.app/privacy

The modern way India splits expenses. Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless — and actually pleasant to look at. Add an expense in seconds, see exactly who owes whom, settle in one tap with any UPI app, and keep your own spending tracked privately on the side. Split Without the Awkwardness • Groups for trips, homes, couples and everything else • Every split style: equally, exact amounts, percentages, shares, +/- adjustments • Multiple payers, multi-currency, receipts, notes and comments • Balances computed precisely to the paisa — no rounding disputes Settle Up in Seconds • One-tap settle with your UPI app, pre-filled with the right amount • Simplify debts inside groups — fewest possible transfers • Gentle reminders (never spammy — one per day, only when they owe you) Your Personal Money Tracker (free) • A private tracker at the center of the app — add a spend in 2 taps • Monthly view with history, categories and daily averages • Nothing here is shared with anyone Your Own AI Money Coach (Pro AI) • Financier — chat with an AI that actually knows your spending, splits and balances • Savings Coach — a monthly report: unused subscriptions, EMIs, concrete ways to save • Import credit-card and Paytm / PhonePe / Google Pay statements (PDF, Excel, CSV) • Connect Gmail and bills in your inbox import themselves — you review first • AI reads, categorises and de-duplicates across every source — even a card spend made through UPI showing up in two statements • Statement files are deleted right after processing EMIs Under Control (free) • Every loan in one place: monthly load, months left, payoff date • EMI-like payments detected automatically from your spends Split Wisely Pro — ₹99/month · Pro AI — ₹299/month or ₹2,999/year Pro: unlimited daily expenses, receipt scanning, itemization, advanced dashboard and charts, expense search, saved default splits, currency conversion. Pro AI: everything in Pro plus the Financier chat, Savings Coach, AI statement import and Gmail bill sync. Private & Secure by Design • Your data lives in India (Mumbai region) • Bank-grade security rules on every record • Biometric app lock, full account deletion in-app Fair with friends. Smart with money. Split Wisely. Subscriptions Split Wisely Pro is Rs 99/month. Pro AI is Rs 299/month or Rs 2,999/year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Split Wisely Terms of Service: https://splitwisely.cognitivesquad.com/terms Privacy Policy: https://splitwisely.cognitivesquad.com/privacy