blyn vs Spend Monthly

blyn is a local-first budget tracker with an AI money coach. See what's left this month, log expenses in seconds, and set category limits. Your ledger stays on your iPhone. You only sign in when you want Coach or Pro. WHAT'S FREE FOREVER • Add, edit, and delete expenses and income • Categories, goals, charts, and search • Home Screen and Lock Screen widgets • Face ID app lock • One recurring entry — set rent or salary once • Back Tap / Shortcuts quick log • Export your data • No account required for tracking RECURRING Rent, salary, subscriptions. Set the amount and how often it repeats, and blyn logs it on schedule — daily, weekly, every two weeks, monthly, or yearly. Pause any of them when things change. Free includes one; Pro removes the limit. MULTI-CURRENCY Every entry keeps the currency you logged it in. Switch your display currency and blyn converts at live rates without ever rewriting what you originally spent. Coach understands it too — say "set my budget to $500" while tracking in rupees and it converts before saving. COACH (3 free messages, then blyn Pro) Talk like a human: "coffee $5 today." Coach prepares the entry and you confirm before it saves. It can also help set a monthly budget and category goals. Coach is not financial, tax, or investment advice. PRIVATE BY DEFAULT Your spending never leaves your iPhone unless you turn on Coach chat backup. Lock the app with Face ID so a glance at your phone doesn't show your balance. Delete your account from inside the app at any time. BLYN PRO $2.99/month or $19.99/year. Auto-renews unless you cancel at least 24 hours before the period ends. Includes Coach (up to 40 messages/day), unlimited recurring entries, and Coach chat backup. Manage or cancel in iPhone Settings → Apple ID → Subscriptions. Restore Purchases is in the app. Privacy Policy: https://xermio.com/blyn/privacy Terms: https://xermio.com/blyn/terms Support: https://xermio.com/blyn/support

Spend Monthly is a quiet expense tracker. You write down what you spend, and it tells you where the money went. HOW AN EXPENSE GETS IN Type it. The plus button, a keypad, and it is saved. Works with no internet, and works for cash, which nothing automatic can see. Photograph a receipt. Point the camera at it and the amount, the shop and the date are read for you. You see it before it is saved. Share a receipt. Paid with DuitNow QR, a transfer or a card? Send the receipt your banking app shows you straight to Spend Monthly, and the expense fills itself in. Forward it by email. Every account gets its own address. Anything with a payment on it becomes an expense, and you check each one before it is kept. WHAT IT SHOWS YOU What you have spent this month, and how that compares with last month. Budgets you set yourself, per category or across everything. It tells you once when you are getting close, and never nags. Which days cost the most, what you spend on repeatedly, and where this month is heading if the rest of it looks like the start. THE SMALL PRINT Free to use, with a limit on how many expenses arrive each month. Plus lifts the limits and is a monthly or yearly subscription; the price in your own currency is shown before you pay, and you can cancel any time in Settings. English and Bahasa Melayu. Light and dark. Your records are yours: you can export them, and you can delete your account and everything in it from inside the app or from spendmonthly.com/delete-account. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spendmonthly.com/policy