AlmostZero vs Simple Expenses

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.

Simple Expenses opens on a keypad. Type the amount, tap a category, save. That is the whole app. No account. No sign-in. Nothing you record is ever sent anywhere — and it still survives a new phone, because you can back it up to your own iCloud Drive. RECORD IN SECONDS • The keypad is the first screen — no menu to open, no form to fill in • The category you used last is already selected, so the usual case is one tap fewer • Add a note or back-date an entry from the two chips above the keypad • Home screen quick actions jump straight to Add expense or Add income A MONTH THAT MATCHES YOUR PAYDAY • Close the cycle yourself on the day you are paid, whenever that falls • Whatever is left over is carried into the new cycle for you — and you can type a different figure if the app has drifted from the cash you actually have • Forget to close one and it closes itself at the end of the month, so nothing runs on forever • Every closed cycle keeps its own totals to step back to SEE WHERE IT WENT • Entries are grouped by day, each day carrying its own total • Swipe to delete, with five seconds to undo if you did not mean it • The cycle summary ranks every category and shows its share of the total • Step back through earlier cycles from either screen BACKED UP, NOT LOST • Turn on automatic backups and pick a folder in iCloud Drive: a fresh copy is written every time you leave the app, and the last seven days are kept • Save a backup file by hand wherever you like, and restore it in a few taps on a new phone • No account and no server of ours — the file lives where you put it LOCK WITH FACE ID • Turn it on in Settings: the app asks every time it opens, and hides your figures in the app switcher • Your phone's passcode always works if your face is not recognised MAKE IT YOURS • Create, rename, reorder and hide categories, each with its own emoji and colour • Hiding a category keeps it off the keypad without touching entries you already recorded • Pick your currency from the full ISO list — amounts are written the way your country writes them: no decimals for yen, won or dong, and the symbol where it belongs (€12,50 or 12,50 €) • In 12 languages: English, Thai, Japanese, Korean, Chinese (Simplified and Traditional), Vietnamese, Indonesian, Spanish, Portuguese, German and French • Light, dark, or follow the device PRIVATE BY DESIGN There is no network code in this app at all — no analytics, no advertising, no tracking, no third-party SDKs. Your entries live in a database on your device. The only permission the app can ask for is Face ID, and only once you turn the lock on yourself. A backup is a file you choose to keep. The app sends it nowhere; if you keep it in iCloud Drive, iCloud Drive is what carries it, not the app.