AlmostZero vs Actuali

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.

Actuali is a native iOS client for Actual Budget, the local-first, open-source personal finance app. Connect to the Actual server you already self-host and budget from your phone, online or offline (sync the moment you're back online). Supports most Actual Budget features: Envelope & Tracking Budgets (inc. Encrypted), Categories, Transactions, Rules, Schedules, Reports, OAuth Plus many additional features including: • Bank sync via SimpleFIN • Import Apple Card, Apple Cash, & Savings transactions straight from Wallet • Tap to pay with Apple Wallet & the transaction logs itself, a Shortcuts automation runs Actuali's Log Transaction action the moment you pay • Payee locations: remembers where you transact, so payee suggestions are one tap away • Bills & Schedules Calendar: upcoming bills and scheduled transactions in one dashboard • Credit card support: payment due reminders, statement history • Notifications for new transactions and card payment due dates • Automatic backups, mirrored to a folder you choose • Category funding automation: top up categories from a source you pick • Transaction history with Undo • iOS Widgets & Shortcuts • Quick math in the amount field (+, −, ×, ÷) • Card & Account Mapping • Hide balances app wide • Light/Dark mode • iPad support Your data, your server: Actuali talks only to the Actual Budget server you configure, nothing else. No analytics, no personal data collected. Requirements: your own Actual Budget server (actualbudget.org) to sync. Actuali is an independent companion client and isn't affiliated with the Actual Budget project.