Prudo

Prudo helps you understand your money, not just track it. Log what you spend in seconds, and within a month Prudo shows the full picture: where the money goes, what is left, and when you reach your goals. All on your device. CAN I AFFORD IT? - Type an amount: Prudo says in plain words if it fits today, lasts until payday, works if you cut back, or when the money runs out - It counts your real spending, bills and income and shows what is safe to spend today. Where to cut back is in Pro TRACK IN SECONDS - Two taps: the keypad opens at once, frequent expenses are one tap away - Payments log themselves via Shortcuts: Apple Pay free, bank notifications and screenshots in Pro - The category fills itself in from what you type, learning from your own entries - Any currency: log in yours, totals in your main one at live rates A STREAK WORTH KEEPING - Log every day; yesterday and the day before can still be added - Badges for perfect weeks, and the days you usually skip LIMITS, DOWN TO ZERO - Assign your income on one screen: commitments, goals and category limits - One number says how much still has no job, and that is the money that leaks - At period end the app asks where the leftover goes: a goal, savings, spending TRIPS PAID IN TURNS - One of you pays for dinner, another for the museum, a third for groceries - Split the group into wallets; a group's share follows how many people are in it - At the end: who owes whom, in the fewest payments, ready to send to your chat WALLET - One screen for all your money: the total, what is left to live on, free money - Accounts and net worth: what you own minus what you owe PAYMENT CALENDAR - A month at a glance: income, charges and your lessons, day by day ON YOUR HOME SCREEN AND IN SIRI - A widget with what is left, per day and when money arrives; Siri answers too ON ALL YOUR DEVICES - iPhone and iPad count the same money, through your own iCloud, encrypted - Apple Watch: what is left for today, and an expense logged from your wrist SHARE A BUDGET - Run money together: the expenses, income and goals you mark are seen by both - Everything else stays personal, and shared records are encrypted first KNOW WHAT YOU ACTUALLY HAVE - Say how much you have in total, in as many currencies as you keep - Split into cushion, savings, committed payments and what is left to live on NEVER MISS A PAYMENT - Loans, taxes, bills, inspection and insurance, one-off or on repeat - A payoff plan, snowball or avalanche: your debt-free date and what interest costs REACH YOUR GOALS - Savings goals with a target and a deadline, and the pace they require MORE IN PRO - Receipt scanning - statement import (CSV or screenshots, several at once, read on device) - Bank notifications and screenshots become entries by themselves (Shortcuts, read on device) - Unlimited goals, subscriptions and passes - lessons in your system calendar - Automatic backup - provider mode for coaches: clients, sessions and earnings FREE VS PRO Free: tracking, limits, day and month history, the chart, the payment calendar, trips, iCloud backup, CSV export, 2 goals, 2 subscriptions, 2 passes, 1 project. Pro adds depth and removes the limits. Every new install gets two weeks with everything open, no card. PRUDO PRO - Monthly $3.99 - Annual $19.99 (best value, one month free) - Lifetime $49.99, one-time, no subscription Subscriptions auto-renew unless canceled at least 24 hours before the period ends; manage in App Store settings. Payment is charged to your Apple ID. PRIVATE BY DESIGN Your data lives on your device, and no account is required to start. Sync between your own devices goes through your iCloud, encrypted. Whatever you mark as shared leaves encrypted, and the key stays with the people you invited, never with us. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://prudoapp.com/privacy.html