Pothos vs Payfold

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.

Payfold shows you exactly what lands in your bank account — not just your gross salary. Enter your salary or hourly rate, pick your state and filing status, and get a full breakdown: federal income tax, state income tax, Social Security, and Medicare, all using current tax-year figures for every state (including the nine states with no income tax). WHY PAYFOLD • All 50 states + DC — flat-rate, bracketed, and no-tax states, done right • Salary or hourly, any pay frequency (weekly, biweekly, semimonthly, monthly, annual) • Pre-tax deductions: 401(k), HSA, health insurance • Full FICA breakdown, including Additional Medicare for high earners • Save and compare past calculations • No account, no sign-in — your numbers never leave your device Who it's for: job offers, raises, relocating to a new state, switching from salary to hourly (or back), or just wanting to know your real take-home pay before payday. Payfold is free to use and supported by ads. Remove all ads with a single one-time purchase — no subscriptions. Payfold is a free estimator. It is not tax advice — for anything that matters, double-check with your employer's payroll department or a tax professional. Questions or feedback: use the App Store's Report a Problem link, or leave a review — we read every one. Privacy policy: https://payfold-app.web.app/privacy.html