Gem vs 42 Foundation Tools

Log expenses and stay on budget. No subscription. In-app purchases are tips :) BUDGET - Daily, weekly, monthly and yearly - Average & daily spending, breakdown by category - Compare against same day last month - Rearrange your budgets, and other lists - Explore your costs and salary over time ORGANIZE - By category, budget, wallet, account, tag… - Customize category colors & icons (500+ from Apple) - Favorite accounts, custom sorting, merge categories - Add attachments and receipts BILLS - Repeat: day, week, month, year - View paid & upcoming subscriptions MONEY TOOLS - Savings goals, income, transfers, balance - Multiple currencies, exchange rates - Calculator & journal view WALLET SYNC & AUTOMATIONS - Instant recording when paying in store with Apple Pay (requires setup) - Auto-organize expensesbased on merchant names - App shortcuts and “Send to Gem” in share sheet - Import CSV files, sub-categories, notes. Import into specific wallet. Skip duplicates when importing - Export everything MORE - Customize the way your create entries - Widgets. Lock Screen shortcut - Daily iCloud backup - Daily reminders - Custom main screen, list layouts, app menu and theme - Insights in search results PREVIEW FEATURES May not work as expected :) - Type “Rent” → it’s categorized in “Household” - Detect receipt prices from attachments Need help? Have a suggestion? Email me at human@shelftwo.com. Terms & privacy: shelftwo.com/gem/terms

42 Foundation Retirement Planning Tools brings clear, plain-English planning to first-responder and public-sector families. Estimate your CalPERS pension, project your retirement income, and see how your 457(b), overtime, and outside savings add up over time. Includes: • Master Retirement Projector — your projected monthly income vs. your target, by age. • CalPERS Pension Optimizer — estimate your pension from your formula, age, and years of service. • 457(b) Deferred Comp Analyzer — model contributions and tax-advantaged growth. • Survivor Benefit & Life Insurance Gap — right-size a term life policy to protect your family. • College Savings Planner — project 529 growth against the rising cost of college. Your inputs save automatically on your device. No account, no sign-in, and no data leaves your phone. Educational planning tools only — not personalized financial, tax, or legal advice. Figures reflect current-year rules and change annually.