PennyDay vs Cash Predict

Track expenses in seconds and see your money day by day. PennyDay combines fast manual entry, a clear budget calendar, and useful spending insights—without linking a bank account. TRACK MONEY IN SECONDS • Record expenses, income, and transfers with a focused quick-add flow • Organize cash, bank, and credit card accounts in one place • Create categories that match the way you spend • Review and filter your complete transaction history SEE WHERE YOUR MONEY GOES • Read daily income and expenses directly from the calendar • Follow monthly cash flow, spending trends, and summaries • Compare category and account breakdowns • Spot recurring costs and understand your spending patterns PLAN WITHOUT THE COMPLEXITY • Set category budgets and keep an eye on progress • Schedule recurring entries for regular bills and income (Pro) • Turn on reminders so logging stays part of your routine • Manage multiple manual accounts without bank connections PRIVATE AND IN YOUR CONTROL • Your financial records stay on your device by default • Protect the app with a passcode and Face ID where available • Create local snapshot backups and restore them when you choose • When iCloud is available, manual backup also saves an iCloud snapshot • Backup is user-controlled and is not real-time device sync PENNYDAY PRO Upgrade to remove ads and unlock recurring entries with reminders, unlimited category budgets, tag budgets, rolling Analysis ranges (last 6 and 12 months), automatic iCloud snapshot backup with longer retention, unlimited photo attachments, premium themes, and Home customization. PennyDay is built for people who want a fast, private way to understand everyday money without the setup and complexity of connected finance apps. Questions or feedback? Contact urcashfixer@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Know what your money can do next. Cash Predict helps you see your future balance, stay ahead of bills, and plan for the life you want. Start with your current account balances, add your expected income and scheduled payments, and see how your finances could change over the coming months and years. SEE YOUR CASH FLOW AHEAD Forecast daily balances up to one year ahead. See when money is coming in, when bills are due, and where a cash shortfall could appear. Adjust your plan and see the effect on your savings and net worth. EXPLORE UP TO 30 YEARS Future Outlook takes your plan further. Explore projections from 5 to 30 years, adjust inflation, income growth, and savings returns, and see how scheduled commitments ending could affect your future finances. ASK SIRI AND BUILD SHORTCUTS Check account balances, upcoming bills, financial reports, goals, and forecasts. Update balances, record daily spending, and mark scheduled bills as paid or income as received. Test a one-time purchase or monthly income change against your cash flow before changing your plan. Open-ended financial questions require Apple Intelligence on a supported device running iOS 27 or later. UNDERSTAND YOUR FINANCIAL PICTURE See actual versus budgeted totals, recorded net worth progress, and interactive cash flow, savings, and category charts. Get insights about projected shortfalls, emergency savings, debt, and progress toward your goals. KEEP ACCOUNTS AND BILLS ORGANIZED Manage cash, savings, credit cards, debt, and other assets in one place. Set savings goals, schedule recurring income, expenses, and transfers, and choose reminders for upcoming payments. EXPLORE YOUR OPTIONS See how a new expense, a pay rise, or a larger savings contribution could change your forecast. Export your one-year budget to your preferred AI app when you want to explore it further. EASY TO START, EASY TO KEEP CURRENT Guided setup helps you create your starting budget. Keep balances updated without connecting your bank. Use widgets for a quick look at your forecast and upcoming bills, and sync your financial records between devices through iCloud. NO ACCOUNT OR BANK LOGIN REQUIRED Your financial records are stored on your devices and synced through iCloud. You choose whether to export them to another app; that service's privacy practices apply when you share. FREE TO USE, OPTIONAL PLUS Use Cash Predict with ads, or choose the optional Plus subscription for an ad-free experience and to support continued development. Plus is an annual auto-renewing subscription. Payment is charged to your Apple Account. It renews unless canceled at least 24 hours before the current period ends. Manage or cancel your subscription in your App Store account settings. Privacy Policy: https://cashpredict.app/privacypolicy.pdf Terms of Service: https://cashpredict.app/termsofservice.pdf