Sem vs Plan Personal Budget

Take control of your finances with Sem, the user-friendly budgeting app designed for everyday users. Easily add and manage your expenses, categorize them, and stay on top of what matters most. With monthly budget overviews, push notifications to remind you of upcoming expenses, and the ability to generate detailed statements, managing your finances has never been simpler. Whether tracking savings, wants, or needs, Sem helps you see where your money goes. Key Features: • Add and manage expenses with name, status, due date, category, and notes. • Select any month for your budget. • Receive push notifications 3, 2, or 1 day before a expense is due. • Auto-generate and download monthly statements. • Multi-select and swipe to manage expenses. • Light and Dark mode support. • Budget overview by month. • User feedback integration. • Onboarding guide. Developed by a solo creator passionate about financial health, Sem is here to make personal finance easier for you. We welcome all feedback and suggestions through the Feedback button in Settings. Let Sem help you manage your finances effortlessly.

Plan Personal Budget helps you take full control of your monthly finances. Create budgets for every month, track your income and expenses, and always know exactly where your money goes. **Plan Your Monthly Budget** Set up a budget for each month with your planned income and expenses. Choose from 10 built-in categories like Housing, Food, Transport, Health, and more. Assign a color theme to each month for easy visual organization. **Three Ways to Track Expenses** - Regular expenses - check them off as you pay - Automatic expenses - always deducted, like subscriptions and recurring bills - Before-paycheck expenses - track spending before your income arrives, kept separate from your monthly balance **Multiple Income Sources** Track income from different sources - salary, freelance, rental, and more. Compare planned vs. actual income to see exactly where you stand each month. **Beautiful Charts & Analytics** Visualize your spending with detailed charts. View monthly comparisons with stacked bar charts, yearly summaries, custom date range analysis, and category breakdowns with percentage insights. **Save Time with Templates** Create reusable budget templates with your regular income and expenses. Apply them when starting a new month, or simply copy expenses from a previous month. **Custom Categories** Go beyond the built-in categories. Create your own expense categories with custom names, icons, and colors to match your spending habits. **iCloud Sync** Keep your budgets in sync across all your Apple devices. Your data stays private in your personal iCloud account. **Privacy & Security** Lock the app with Face ID or Touch ID. Your financial data never leaves your devices and iCloud account - no third-party servers, no tracking, no ads. **Available in 6 Languages** English, Polish, German, Spanish, French, and Ukrainian. **FREE FEATURES** - Create monthly budgets with income tracking - 10 built-in expense categories - Three expense types (regular, automatic, before-paycheck) - Budget templates - 16 color themes - Face ID / Touch ID lock - Light, Dark, and System themes **PRO SUBSCRIPTION** - Multiple income sources per budget - Custom expense categories - Advanced analytics (yearly, custom range, category breakdown) - iCloud sync across devices Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/