SpendCents vs Sidetally

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms

Sidetally is a personal tracker for the money you earn on the side. It does not pay you and never holds your money — you earn out in the world, and Sidetally helps you see what it adds up to. LOG WHAT YOU EARN Record an amount, the method, the time it took and the date. Your ledger is yours, and a plain-text export means it never gets trapped. SEE WHICH METHODS ACTUALLY PAY Sidetally works out your effective hourly rate — amount divided by time — so the method that looks busiest and the method that pays best stop being confused for each other. SET A GOAL AND WATCH IT CLOSE Save for a bill, a purchase or a cause you care about. Each goal shows real progress, a pace pointer and an honest projection based only on what you have logged. YOUR MOMENTUM SCORE A single 0-100 reading built from your own consistency, goal pace, hourly-rate trend, streak and how widely you have spread your effort. It reflects your logged activity — it is not a financial rating. THE EARNING PLAYBOOK A curated reference of real ways people earn on the side, with typical pay ranges from public sources, the effort involved, how to start, and the scam-hygiene warnings that matter. Free, always. SIDETALLY PRO (optional subscription) Unlimited goals, the per-method board, best-time and diversification analysis, pace projections, the weekly digest, your full history, and the AI Earning Coach that plans a goal into a weekly mix. - Monthly or annual, with a 7-day free trial - Payment is charged to your Apple ID at confirmation; auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel anytime in your App Store settings Sidetally is a planning and tracking aid, not financial advice, and never a promise or forecast of income. Typical pay ranges are drawn from public sources and are not a guarantee of what you will earn. Privacy Policy: https://preview.apppublishing.ai/legal/411/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/411/terms