Luci vs AlmostZero

The winner of the Winners' Circle Legacy Prize - Texas A&M New Ventures Competition ===================================================== Stress less about money and start your journey to financial freedom with Luci! Zoom to financial freedom as you crush your personal finance(PF) goals. Set & track your real-life financial goals & accomplish them to explore the universe & earn achievements. Keep your financial awareness & knowledge sharp with playbooks and mini-games with personalized questions to compete with others on financial awareness and knowledge. SECURITY & PRIVACY: Luci has your security and privacy on top of mind and does not store or sell your financial data. Luci securely connects to your bank via Plaid and returns the data that your bank provides. BUDGETING: Goodbye to boring and pointless budgeting. Say hello to weekly and monthly budgeting powered by analytics & simulations, and visuals to empower you and help you stay on track. Hit your spending goal to supercharge your ship! EMERGENCY SAVING: Get your safety net set up with Luci! Luci will help you track and calculate your weekly savings to achieve your goal! BUILDING CREDIT: Win the credit score game with Luci. Luci is here to help you build your credit score to save you thousands in the future when you need to take out a loan or mortgage. And using our patent-pending technology, Luci is here to help you win the credit card points game and maximize your credit card rewards! RETIREMENT INVESTING 401Ks & IRAs: 401Ks and IRAs! Essential to becoming a lazy millionaire. Luci has your back to help you learn about them and coach you as you invest in them on your way to becoming a lazy millionaire! #doless POWERFUL ANALYTICS: (WOW, you made it this far! So we will tell you a little secret) Pssssst, did you know that we worked collectively as quants and quantitative traders on Wall Street for over 25 yrs? We power Luci's analytics and projections/simulation tools using our patent-pending technology and quantitative techniques we used on Wall Street. You are in good company :) !

AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation. Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward. 【Key Features】 ▸ Debt & Loan Management Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance. Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated. Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best. ▸ Expense Tracking Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going. Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit. ▸ Savings Goals Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track. ▸ Link to Assets Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position. ▸ Tag Organization Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles. ▸ Multiple Currencies All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies. ▸ Financial Education Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app. ▸ Financial Calculator Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions. 【Privacy & Security】 Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID. All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties. 【Data Management】 iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple. 【What Sets AlmostZero Apart】 • Built for debt reduction — packed with features to help you pay off what you owe • Simple and intuitive — powerful yet easy to use • Strong privacy — your data stays on your device and in iCloud only • Regular updates — new features and improvements added continuously Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals.