Splitor vs Mono Finance

A shared dinner, a trip for four, a flat with roommates — Splitor remembers who paid for what and then tells you the one thing that matters: who owes whom, and how much. No spreadsheets. No calculator in your notes app. HOW IT WORKS — Create a group: a trip, a flat, a weekend with friends. — Add expenses: who paid, and who it's split between. — Splitor keeps the balances and nets out mutual debts, so five transfers become one. WHAT'S INSIDE — Add an expense by voice. Hold the mic and say who had what and what it cost — Splitor parses it and fills in the form. — Snap the receipt. Items and prices are read automatically; you just assign them to people. — Split evenly or by exact amounts. Someone skipped dessert? Give them their own number. — Group totals. Where the money went this month, who paid most often, the biggest expenses. — Friends. Every balance across all your shared groups in one list. — Offline. On the metro, on a plane, abroad with no data — entries are saved and sync themselves when you're back online. — Per-group currency. Euros, dollars, roubles — each group keeps its own. — Telegram bot. Same account: invite friends with a link, without making them install anything. YOUR MONEY STAYS YOURS Splitor doesn't process payments and never asks for a card. It only works out who owes whom. Send the money however you normally would. STRAIGHT ANSWERS Everything above is free. No ads. Your data isn't sold. Questions and requests: @split_money_bot on Telegram. SPLITOR PLUS — AN OPTIONAL SUBSCRIPTION Everything described above is free. Voice and receipt recognition works 5 times a day without a subscription — Plus lifts that daily cap and changes nothing else. — Splitor Plus, 1 month — $2.99 — Splitor Plus, 1 year — $19.99 The price in your currency is shown on the purchase screen. Payment is charged to your Apple ID on confirmation. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the period. You can manage the subscription and turn off auto-renew in your Apple ID settings. Terms of Use: https://splitor.zagirnur.dev/terms Privacy policy: https://splitor.zagirnur.dev/privacy

Mono is an expense tracker that needs nothing but your phone. No sign-up, no cloud, no subscription. Everything stays on the device and never leaves it. ONE LINE, ONE SECOND The Today screen is your spending for the day plus a single input line. Type "Coffee Boom 3 200", press return, done. The category comes from what you picked for that merchant before; for a new one it waits in a bar above the keyboard. Amounts accept arithmetic: "1200+340". APPLE PAY LOGS ITSELF A Wallet automation in Shortcuts hands each payment to Mono the moment it happens. A notification arrives with category buttons — you never open the app. THE MONTH AT A GLANCE Month shows totals per category and every transaction. The calendar puts a number under each day. The bottom of Today always tells you what is left until the end of the month and what that is per day. GOALS AND SAFETY NET A goal is an amount and a date; Mono works out the monthly figure and when you will get there at your current pace. Your safety net is measured in months of your normal spending. BUDGETS AND RECURRING A limit per category or for the whole month. Rent, subscriptions and salary are described once as a rule and appear on their own — as ordinary transactions you can edit or delete. WIDGETS Five of them: money left this month, safety net and nearest goal, a ring and a line on the Lock Screen, and a Control Center button for quick entry (iOS 18+). ALSO • Face ID or passcode on launch • A daily nudge to write things down • CSV export of every transaction • Light and dark theme, with an icon that follows it • Accounts — card, cash, savings — with transfers between them • Currency of your choice: tenge, ruble, som, dram, manat, lari, hryvnia and more • Long-press the icon for quick entry or review THE HONEST PART Mono is offline and has no server. That means no account, no ads, no analytics, and no sync between devices. Back up with an iPhone backup or a CSV export. There are no exchange rates: currency changes the symbol, not the numbers. Russian, English and Kazakh. iPhone, iOS 17 and later.