Vylor vs RizKharj

VOICE EXPENSE TRACKING — POWERED BY GEMINI AI Track every expense by talking. Vylor is the AI expense tracker and personal finance app for iPhone. No typing. No spreadsheets. Just talk. ——— AI VOICE EXPENSE TRACKER Log every transaction instantly. Just say "I spent $45 on dinner with my credit card" and Vylor automatically categorizes and records it. Gemini Live AI understands natural language — amounts, merchants, dates, and payment methods. Your finance tracker updates in real time as you talk. ——— VYLOR SENTINEL — YOUR MONEY, WATCHED Vylor doesn't wait for you to open the app. Sentinel proactively briefs you on your balance, weekly spending, upcoming bills, and a clear Safe / Caution / Danger read — daily (PRO) or weekly (Free). It warns you BEFORE you overspend or run low, and its subscription radar flags price hikes, new subscriptions, and free trials that started charging. ——— AI FINANCIAL ADVISOR — ASK, ANALYZE & FORECAST Talk to Vylor's AI about your real money: • "How much did I spend on food last week?" • "Where did my money go this month?" • "Can I afford a $1,200 laptop?" • "What's my projected balance in 3 months?" Vylor answers from your actual transactions — totals and breakdowns by category, time, or account — and forecasts your balance from your real spending pace. Edit or delete entries by voice too — Vylor confirms first. ——— AI RECEIPT SCANNER — VYLOR VISION (PRO) Snap a photo of any receipt. Vylor Vision's AI instantly extracts the merchant, total, tax, and line items — no manual entry needed. Turn paper receipts into a clean, searchable digital record in seconds — built for tax season. ——— DASHBOARD, NET WORTH & SPENDING HISTORY Your whole financial picture at a glance: net worth, spending breakdown by category, and a real-time transaction feed. Track cash, bank, cards, and crypto in one place. Review history by day, week, or month with color-coded categories, set daily allowances, and let AI coaching keep you on track. ——— HOME SCREEN WIDGETS Your finances, always visible — no app opening required. Vylor's Home Screen widgets update automatically with every transaction — quick voice logging, recent activity, budget tracking, upcoming bills, and your net balance. ——— PRIVACY & SECURITY Your financial data stays on your device. No account sign-up required — Vylor works from first launch. Biometric Lock (PRO) adds Face ID or Touch ID. We do not sell your data. Ever. ——— FREE vs PRO Free — no credit card needed: 30 AI voice logs per month, up to 5 accounts, weekly Sentinel briefing, and the full dashboard and history. PRO — $3.99/month (or annual, save 21%): unlimited voice logs, daily Sentinel briefings + spending alerts, AI receipt scanning (Vylor Vision), 50 accounts, biometric lock, CSV export, and no ads. ——— Download Vylor free and manage your money by talking — one conversation at a time. ——— Vylor PRO is an auto-renewable subscription: $3.99/month or $37.99/year. Payment is charged to your Apple ID at purchase confirmation, and renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://vylor.money/terms Privacy Policy: https://vylor.money/privacy

RizKharj is a calm, precise tracker for your income and expenses, made for people whose money moves between currencies and countries. It is completely free: every feature for everyone, with no ads, no tracking and no subscription. There is no account to create and no RizKharj server: your records stay on your iPhone or iPad, and the app works offline. Use it in English, German or Persian, with the Gregorian or the Solar Hijri (Shamsi) calendar. EVERYDAY TRACKING • Unlimited transactions: expenses, income, transfers between accounts, and money lent to or borrowed from people • Unlimited accounts, savings goals, people, recurring transactions and loans • Categories and subcategories with over 340 icons, plus notes and tags • Split one purchase across several categories • Receipt photos on transactions • Separate books, for example work and personal ANY CURRENCY • 156 currencies, with every account in its own currency • Enter a single transaction or debt in another currency: the amount charged to the account is suggested from your last such transaction or your exchange rate, and you can change it to the figure on your bank statement • Your own exchange rates in either direction, or a one-tap update from European Central Bank reference rates (major currencies) • The total shows your main currency; other currencies are listed separately with an approximate value BUDGETS AND PLANNING • Monthly or weekly budget, plus a budget for every category • Savings goals, recurring transactions with reminders, and a loan tracker based on your bank's terms • Bills and subscriptions calendar with reminders before they are due • Debt payoff planner: smallest debt first or most expensive first • Family and partner mode: record who paid, mark shared expenses and see a monthly settlement REPORTS • Averages, savings rate and share per category, plus a calendar of your daily spending • Trends across months and weeks, month-end forecast, month-to-month comparison, net-worth history and a year in review, with PDF export • CSV export for Excel and Numbers ON YOUR IPHONE AND IPAD • Home-screen widgets and logging with Siri • Automatic backup and sync through a file in your own iCloud Drive, with no RizKharj server in between • JSON backup and restore, optionally encrypted with a password • Bank statement import (CSV or camt.053) with suggested categories and duplicate detection • Import your history from other expense apps (CSV) • PIN lock with Face ID or Touch ID • Light and dark appearance, accent colours and alternative app icons SUPPORT RIZKHARJ (OPTIONAL) If RizKharj helps you, you can leave a tip under Settings › Support RizKharj. Tips are optional, go through the App Store and unlock nothing: every feature is already yours. If you bought RizKharj Pro earlier, you keep everything and are one of our early supporters. Thank you! PRIVACY • No account, no sign-up and no RizKharj server. The developer never receives your data. • No ads, no analytics, no tracking. • Your data stays on your device, and in your own iCloud Drive only if you turn on automatic backup. • The app goes online only for that backup, for tips through the App Store and, when you tap to update exchange rates, to fetch European Central Bank reference rates from a public rates service. Made in Switzerland. Questions or ideas: hello@rizkharj.com