IversusE vs Balans

IversusE — A Clear View of Your Finances Understanding your finances begins with seeing how the numbers fit together. IversusE brings household budgeting and loan calculations into one place. Whether you're reviewing everyday expenses, tracking recurring income, or estimating borrowing costs, the app helps you view your financial situation from different angles. Rather than focusing only on what you earn or spend today, IversusE also lets you explore how payment amounts, interest rates, and repayment periods can affect your finances over time. BUDGET CALCULATOR Build a clearer picture of your household finances. • Create and manage income and expense budgets • Add one-time or recurring budget items • Compare monthly income with monthly expenses • Identify positive, balanced, or negative monthly results • Review monthly and yearly balances • Archive completed items and reuse expired scheduled items CREDIT CARD CALCULATOR Understand what it may take to pay off credit card debt. • Estimate how long repayment could take • Calculate total interest over the repayment period • Explore how additional payments may reduce interest and shorten repayment time MORTGAGE CALCULATOR Look beyond the monthly mortgage payment. • Estimate payments based on loan amount, interest rate, and term • Include property taxes and insurance • Examine total interest and overall loan cost • See how extra payments may change the repayment schedule AUTO LOAN CALCULATOR Examine the numbers before financing a vehicle. • Estimate monthly auto loan payments • Account for taxes, fees, trade-in value, and down payment • Review total interest and overall financing cost • Compare different financing scenarios BUILT FOR EVERYDAY FINANCIAL QUESTIONS How much of your income remains after expenses? How long could it take to pay off a credit card? What happens when you make an extra loan payment? IversusE helps you explore these questions with your own numbers, organized inputs, and easy-to-read results. Available for iPhone and iPad. DISCLAIMER IversusE provides financial estimates for educational and planning purposes only. Actual loan terms, taxes, fees, and financial results may vary.

Most finance apps track where your money goes. Balans shows where your finances are going. No transactions to categorize. No daily budgeting. Simply update your balances once a month and see how your financial life develops over time. See your assets, debts and net worth in one place. Follow your progress, spot long-term trends and answer the question that really matters: Am I better off than I was a year ago? Your finances. Once a month. Add your savings, investments, property, other assets and debts. Update their balances when you want — once a month is enough to build a meaningful history. Balans gives you: • Net worth over time • A clear overview of assets and debts • Balans Score – a simple measure of your financial position • Long-term trends and progress • Wealth goals with Balans Plus • Fixed assets with automatic depreciation • No bank connection required Balans is for people who already know where their money goes — and want to know where their finances are going. Less tracking. More perspective.