Bell Hamyon vs Divido

Bell Hamyon — pulingizni nazoratga oladigan shaxsiy moliya ilovasi. Naqd pul, karta va jamg'armani bitta joyda yuritasiz, oy oxirida pul qayerga ketganini aniq ko'rasiz. Ma'lumotlaringiz FAQAT SIZGA ko'rinadi — rahbar ham, hamkasb ham ko'rmaydi. OVOZ BILAN YOZISH (AI) Eng tez usul: telefonga gapiring. • «Bugun taksiga 15 ming, tushlikka 40 ming ishlatdim» • «Oylik keldi 5 million» • «Do'kondan 120 ming so'mlik mahsulot oldim» AI summani, kategoriyani va kirim/chiqimni o'zi aniqlab yozib qo'yadi. Yozib kiritishni xohlasangiz — «50000 taksi» deb yozsangiz ham bo'ladi. BALANS VA HISOBLAR • Naqd, karta, jamg'arma — cheksiz hisob • Umumiy balans har amaldan keyin darhol yangilanadi • Hisoblar orasida o'tkazma KIRIM-CHIQIM • Kunlar bo'yicha tartiblangan amallar tarixi • Kategoriya va pod-kategoriyalar (masalan: Kommunal → gaz, elektr, suv) • Izoh, sana va hisobni tahrirlash; o'chirilganda balans qaytariladi BYUDJET • Har bir kategoriyaga oylik chegara • Yashil–sariq–qizil ko'rsatkich: chegaraga yaqinlashsangiz ko'rinadi • Pod-kategoriya sarfi otasiga qo'shilib hisoblanadi QARZLAR • «Qarz berdim» va «qarz oldim» — kim, qancha, qachongacha • Qisman yoki to'liq qaytarish, qoldiq avtomatik hisoblanadi • Muddati o'tgan qarzlar ajratib ko'rsatiladi • Telefon kontaktlaridan ismni tanlash mumkin • Qarz harakatlari balansga ta'sir qiladi, lekin oylik kirim/chiqim statistikasini buzmaydi MAQSADLAR • «Yangi telefon uchun 5 mln» kabi jamg'arma maqsadlari • To'plangan foiz va qolgan summa ko'rinib turadi HISOBOT • Chiqimlar pirogi: kategoriyani bosib ichini ko'rasiz • Oxirgi 6 oy kirim/chiqim trendi • Oylik kirim va chiqim yakuni QURILMA IMKONIYATLARI Mikrofon — ovoz bilan amal kiritish uchun. Kontaktlar — qarz yozayotganda ismni tanlash uchun (ixtiyoriy). Ruxsat faqat shu amalni o'zingiz boshlaganda so'raladi.

Divido brings your personal budget and shared expenses with friends together in one app. Log spending in seconds, and let Divido turn shared bills into clear, simple debts. VOICE AND RECEIPTS • Say "coffee five dollars yesterday, cash" — Divido fills in the amount, date, account and category. • Snap a receipt — the total and line items appear. Your phone reads the receipt itself; the photo never leaves it. • With a Shortcuts automation, every card payment from Wallet offers to log the expense for you. PERSONAL FINANCE • Accounts: cards, cash, savings and debts, with a combined balance. • 64 currencies with daily exchange rates. • A monthly budget plan: income, expenses, category groups and a month-end forecast. • Savings goals with a "what if I save more" preview. • Recurring payments — subscriptions, rent, loans — are logged automatically. • Reports by category and month, CSV export. • Home Screen widget. SHARED EXPENSES • Groups for a trip, a flat or friends — plus one-on-one expenses. • Split equally, by shares, by exact amounts or by receipt items. • Different currencies in one group. • "Simplify debts" — the fewest payments to settle everyone up. • Invite with a link or QR code. Add people without the app as guests. • Notifications about new expenses and settle-ups. YOUR DATA STAYS YOURS No ads, no third-party trackers. Sign in with Apple or email, sync across devices, and delete your account right in Settings. DIVIDO PRO Everything above is free. Without a subscription you get 5 voice entries and 3 receipt scans every month. Divido Pro removes the limit — monthly or yearly. The subscription renews automatically; cancel any time in your Apple ID settings at least 24 hours before the end of the period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://divido.ru/legal/privacy/en/