Clink vs Margin

Take control of your finances with Clink — the private, offline budget tracker designed to help you understand where your money goes without compromising your privacy. YOUR DATA STAYS YOURS Unlike other budget apps, Clink doesn't require an account, doesn't sync to the cloud, and never shares your financial data with anyone. Everything is stored locally on your device — period. No servers. No tracking. No ads. Just you and your budget. TRACK INCOME & EXPENSES Log your daily transactions quickly and easily. Categorize spending across pre-built categories like Food & Dining, Transportation, Bills & Utilities, Entertainment, Shopping, and more. Track income from Salary, Freelance work, Investments, and Side Hustles. SET BUDGETS THAT WORK Create monthly budgets for each spending category. Get alerts when you're approaching your limits so you can adjust before overspending. See at a glance which categories are on track and which need attention. REACH YOUR FINANCIAL GOALS Whether you're saving for a vacation, paying off debt, or trying to limit spending in a specific category, Clink helps you stay focused: • Savings Goals — Save toward a target amount by a specific date • Debt Payoff — Track progress paying down what you owe • Expense Limits — Set spending caps for categories you want to control • Income Targets — Set and track earning goals RECURRING TRANSACTIONS Set up recurring income and expenses once — daily, weekly, biweekly, monthly, quarterly, or yearly — and never forget to log them again. INSIGHTFUL SUMMARIES • View spending breakdowns by category • Compare income vs. expenses over time • Track your savings rate with monthly summaries • See spending trends to understand your habits HOME SCREEN WIDGETS • Balance Widget — See your monthly income, expenses, and balance at a glance • Quick Add Widget — Add transactions without opening the app WORKS OFFLINE No internet connection required. Clink works completely offline, so you can track expenses anywhere — on a flight, in the subway, or off the grid. FLEXIBLE TIME PERIODS Filter your data by Today, This Week, This Month, This Year, or All Time to get exactly the view you need. BACKUP ON YOUR TERMS Export your data to a file you control. Import it back anytime. Your backups stay on your device or wherever you choose to store them — we never see them. AVAILABLE IN YOUR LANGUAGE Clink supports English, Spanish, French, German, Portuguese (Brazil), Russian, Arabic, and Hindi. CLINK PRO Upgrade to unlock the full experience: • Custom Categories — Create categories that match your lifestyle • Unlimited Goals — Track as many financial goals as you want • Full Transaction History — Access all your past transactions • Export & Import — Backup and restore your data anytime No subscriptions. One-time purchase. No hidden fees. Privacy-first budgeting starts here. Download Clink and take control of your finances — without giving up control of your data.

Track expenses and income in your own words. Margin turns everyday money notes into a clear personal ledger, so you can see where your spending goes without filling out forms. WRITE IT LIKE YOU SAY IT Type "coffee 4.50" or "lunch 20 split 4 ways". Add a date or a money source in the same line. Margin reads the details, organizes the entry, and keeps your share. Review and correct anything it reads. KEEP TRACK, EVEN OFFLINE Save typed notes when you have no connection. Clear entries can be read on your iPhone; AI features and syncing need an internet connection. No bank connection or bank password is needed. SCAN A RECEIPT Take a photo of a receipt and turn its items into entries you can review. Receipt reading uses AI and your Reads allowance. SEE WHERE YOUR MONEY WENT Browse your spending by week, month, or year. Check categories, compare your spending with your monthly budget, and search the words you remember. KEEP RECURRING COSTS IN VIEW Record subscriptions and recurring bills. See expected costs separately from the spending you have already recorded. ASK ABOUT YOUR SPENDING Ask "how much on coffee this month?" and see an answer based on your own entries, with the entries shown so you can check it. TAKE YOUR LEDGER WITH YOU Export your entries as CSV, PDF, or JSON. Writing, editing, searching, browsing your ledger, and exporting are free. START FREE Margin includes a free allowance of Reads for AI features: 25 to start, plus 15 each month, with up to 50 saved. A Read is Margin's unit for AI processing; the cost depends on the feature. Margin Plus offers 1,500 Reads per month with a monthly or yearly auto-renewing subscription. See current pricing in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the current period ends. Your Apple Account is charged for renewal within 24 hours before the end of the period. Manage or cancel your subscription in your App Store account settings. Margin is a personal ledger, not financial advice or an accounting system of record. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://marginmoney.app/terms Privacy Policy: https://marginmoney.app/privacy