OffRisk vs Krumbs

Take control of your money in minutes. OffRisk shows you where it goes, helps you budget, and warns you before you blow past your limit. ▸ LOG IT IN SECONDS Add expenses and income instantly. Capture Apple Pay purchases, or log one with a double tap on the back of your iPhone (Back Tap) — without ever opening the app. Check your balance straight from a Home Screen widget. ▸ BUDGETS THAT ACTUALLY WORK Set a limit per category and get a heads-up as you get close. Create savings or income goals and watch your progress day by day. ▸ UNDERSTAND YOUR MONEY Visual stats for every month: where you spend the most and how you're trending. Plus a clear projection of how your month is shaping up, explained in plain language. ▸ SCAN AND DONE Snap a photo of a receipt and OffRisk pulls out the amount, category and date for you with AI. ▸ LEARN AS YOU GO An AI financial education assistant answers your questions, runs projections and helps you build better habits. ▸ YOUR PRIVACY FIRST Your receipt photos are never stored — they're processed and discarded instantly. ▸ AND MORE • Automatic recurring payments (rent, subscriptions, paycheck, etc) • Multi-currency support • Export your transactions to CSV • Available in English and Spanish —— OFFRISK PRO —— Unlock recurring payments, AI receipt scanning, the AI financial assistant, advanced stats and CSV export. Includes a 7-day free trial. • Monthly or yearly auto-renewing subscription. Start free today and find out where your money is really going. Note: OffRisk provides financial education and organization tools; it does not constitute professional financial advice.

Dinner with eight people, one receipt, and nobody wants to do the math. Krumbs handles it. Take a photo of the receipt and Krumbs pulls out every line with its quantity and price. Then you tap who had what: the wine between two of you, the dessert for one. Discounts land exactly where they belong. FOUR WAYS TO SPLIT Equally, by shares or weights, by exact amounts, or straight from the items on the receipt. Every expense gets split the way it actually happened. CLEAR BALANCES, FEWER PAYMENTS Krumbs works out who owes who and then simplifies it. Instead of six transfers going in circles, it tells you the two that settle everyone up. See balances inside each group and your running total with each person. WITH A GROUP OR WITHOUT ONE Create groups for the trip, the apartment or Friday dinner, each with its own name, emoji and color. For one-offs, log a single shared expense with a friend without setting up a group at all. RECURRING EXPENSES Rent, the gym membership, the subscription you share. Set it once and it repeats on its own, with the split you chose. START WITHOUT SIGNING UP Open the app and you can create a group, scan a receipt and add expenses right away. Save your account with Apple, Google or email whenever you want, so nothing is lost when you change phone. ALSO INSIDE - Invite links so friends join a group in one tap - Notifications when someone adds or edits an expense - Multiple currencies - Group activity timeline - Dark, fast, quiet design - No ads Krumbs doesn't process payments or move money. It keeps the count, so the settle-up between you is the right one.