Pothos vs Wudget

BUDGET with better clarity and focus on your long-term financial goals by budgeting with the 50-30-20 rule. LEARN with valuable tips, educational resources, and interactive tools that will enhance your financial knowledge. Pothos is the budget app built around the 50-30-20 rule: 50% Needs, 30% Wants, 20% Savings — allocate your income to three categories and watch your money balance itself. INTUITIVE BUDGETING & SPENDING TRACKER APP With Pothos, you begin with a powerful advantage: your hard-earned income. Instead of building up expenses from $0 like traditional budget tracking apps, you allocate your income to three essential categories: Needs, Wants, and Savings. Our expense tracker is built to help you follow this simple budgeting rule and reach your financial goals — simply, and mindfully. HOW DOES THE 50-30-20 BUDGETING RULE WORK? - It helps you divide your income into categories that make saving easy. - The rule states that 50% of your money goes toward needs, 30% toward wants, and 20% toward savings. - The savings category can also include money for future goals, like paying down a loan. HOW CAN YOU FOLLOW THE 50-30-20 RULE WITH POTHOS - Tell us your budget by entering your salary or earnings and your pay schedule (daily, weekly, monthly, etc). - Every expense or income you log deducts from the right category and shows your remaining budget. - See your remaining budget and every transaction on clear, visual charts and graphs — or set a fully custom rule instead of 50-30-20. — YOUR AI MONEY COACH — Ask "Can I afford this $400 phone?" and get an answer grounded in YOUR ledger, not generic advice. Every Sunday, get an AI recap with two specific, dollar-quantified actions for the week ahead. Subscription scan finds recurring charges you forgot you were paying for. AI insights flag spending anomalies before they end your month. AI-generated — never financial advice. — PRIVACY FIRST — We never sell or share your data. Cloud AI never receives your identity — no name, no email, nothing that identifies you. On-device first for analytics — trends and anomaly detection run on your phone. One-tap export and delete-everything, any time, in Settings. — WHAT WE DON'T DO — No advertising SDK. No third-party analytics broker. No identity-bearing telemetry. No selling your data, ever. — SUBSCRIPTION — Free tier covers core budgeting, the 50-30-20 rule (or your own custom rule), and manual transaction tracking. Premium unlocks the AI coach, the weekly recap, and full insights. Cancel any time in your account settings. POTHOS: BUDGET & EXPENSES TRACKER APP FEATURES: - Allocate your income to Needs, Wants, and Savings, following the 50-30-20 rule (or set a custom rule). - Log expenses and watch your budget stretch every dollar, staying in balance. - Visualize progress with charts, and set savings goals. - Ask an AI coach questions about your own spending — privately. - Weekly AI recap with two specific actions, every Sunday. - Gain financial literacy through tips and resources built into the app. - Complete data safety and privacy — see Settings → Your privacy for every commitment we make. Questions? Tap Settings → Your privacy in the app for the full commitments list.

Wudget is a personal budget app that's easy to use every day. Log an expense in a couple of seconds, even straight from a widget on your Home Screen, without opening the app. No ads, no sign-up, and everything you enter is stored only on your iPhone. Wudget splits your income between accounts: Needs, Wants and Savings, by the 50/30/20 rule or in your own proportions. AN EXPENSE IN ONE TAP Widgets for your Home Screen: add an expense, income or transfer without opening the app, and keep an account's balance in sight. While your iPhone is locked, the amounts in widgets stay hidden. YOUR PAY SPLITS ITSELF Add an income and Wudget spreads it across your accounts: 50% for Needs, 30% for Wants, 20% for Savings. Each account shows right away how much you can still spend. KNOW WHERE YOUR MONEY GOES Analytics for a week, a month, a year or any dates you choose: expenses and income day by day, each category's share and the total in your accounts. Wudget compares your spending with your average income. And a large widget shows where your money went this month, right on your Home Screen. QUICK TRACKING, NO SPREADSHEETS Amount, category, done. Your most frequent categories come first, and the rest are a search away, by name or emoji. Add a note to any transaction: who with, where and what for. Transfer between accounts, or move an account's whole balance in one tap. YOUR DATA STAYS WITH YOU No ads: nothing to watch, nothing to skip. No account and no bank login needed. Wudget doesn't send your amounts or transactions to a server, and you can take them with you at any time: export every transaction to CSV for Numbers, Excel or Google Sheets. AND THE LITTLE THINGS • Hide balances with a tap: on the bus, in a café, at the checkout • Any currency, with its flag and the number of decimal places you want • Reminders so you don't forget to log your spending • Dark theme, matching your iPhone or your own choice • The app's interface supports these languages: English, Arabic, Chinese (Simplified and Traditional), Dutch, French, German, Hebrew, Hindi, Indonesian, Italian, Japanese, Korean, Malay, Polish, Portuguese (Brazil), Russian, Spanish, Swedish, Thai, Turkish and Vietnamese • Support for VoiceOver and larger text Terms of Use: https://wudget.app/terms-and-conditions Privacy Policy: https://wudget.app/privacy-policy