Palmo vs TillNext

Know what you can actually spend — before your next bill hits. Palmo shows your real spendable balance after upcoming bills are accounted for. Track income, expenses, and spending by pay period — All private stored on-device and synced through your own iCloud. No third-party servers. No tracking. No ads. What you can do: - Set up recurring bills and let Palmo apply them automatically - Track income and expenses by category - Review your spending breakdown by pay period Palmo Pro unlocks: - Unlimited bills - Spending limits with per-category tracking - Multi-period spending history and trends - Payday preview notifications Simple enough to open and use in seconds. Powerful enough to actually stay on top of your finances. Terms of Use: https://jlappllc.com/eula-moneyy

Know what you can spend before your next paycheck. TillNext: Paycheck Planner helps you plan the money coming in, the bills going out, and what is left to spend. Enter your current bank balance, add your income and expenses, and keep your plan up to date as payments clear. A CLEAR VIEW OF YOUR CASHFLOW Home puts Available to spend first, followed by a cashflow forecast, monthly income and expenses, and your projected month-end balance. See upcoming items and review what is completed. Tap the information button for your next paycheck, planned bills, and the details behind your spending amount. RECURRING PLANS WITHOUT THE MONTHLY RECOUNT Set up recurring paychecks and bills once. Review their occurrences month by month, adjust an occurrence when plans change, and look back at previous activity. Add one-time income or expenses whenever you need them. LOOK AHEAD WITH THE CALENDAR See projected daily balances alongside scheduled income and expenses. Move between months to plan ahead, then return to the current month with a tap. Expected income belongs in your forecast; mark it received when it arrives. YOUR PLAN, CLOSE AT HAND Small, medium, and large Home Screen widgets keep your Till Next amount visible. Quick-add controls let you enter one-time income and expenses, while the large widget shows upcoming items. FREE PLANNING. OPTIONAL SUPPORT. Every planning feature is free, with no ads, subscription, or trial countdown. An optional one-time Supporter purchase adds extra accent colors. Previous lifetime unlock owners keep access to supporter colors. PRIVATE BY DESIGN TillNext works locally on your iPhone. There is no account, bank connection, analytics, or tracking. Export your plan as a CSV or choose a backup through Files or iCloud Drive. Your planning data stays on your device unless you choose to export or back it up. Features: - Available to spend and projected month-end balance - Cashflow chart and daily calendar balances - Recurring income and bill schedules - One-time income and expense entries - Received, pending, paid, and skipped status tracking - Previous occurrence history - Optional on-device reminders - Small, medium, and large Home Screen widgets - CSV export and restore, plus backup options - Light and dark mode TillNext is for personal planning only and does not provide financial, tax, legal, investment, credit, or banking advice. Always check your actual accounts before spending or making payments.