Balance vs TipDiary

Balance: Tip & Income Tracker is for anyone paid by the shift: servers, bartenders, barbers, stylists, and hourly workers whose tips and hours change every week. Your pay changes every shift. Your bills don't. Balance estimates your next paycheck from the shifts you log, so you're not guessing on payday. KNOW YOUR NEXT PAYCHECK Add your job and when you get paid: weekly, every two weeks, twice a month or monthly. Log each shift and Balance adds up your wages and the tips on your check. Your next paycheck sits at the top of the job's calendar. Tap it to see every shift in it. Estimates are before taxes. LOG TONIGHT'S SHIFT Card tips, cash tips, hours, wage. Done. For each job, choose whether cash tips come on your check or go home with you that night, and Balance counts them where they belong. MORE THAN ONE JOB? Add each one with its own pay schedule and its own calendar. SEE WHAT'S LEFT AFTER BILLS Connect your bank and Balance shows your estimated balance for every day ahead, after bills. It finds your recurring bills for you, and you can hide the ones you don't want counted. Balance budgets by date: put a bill on the day it's due and see what's left. ASK BALANCE Ask about your money in plain words. "How much is my next paycheck?" "What's my best night so far?" "How does this month compare to last?" Answers come from your own numbers. With a bank connected, ask "Can I cover rent on the 1st?" YOUR DATA Connecting a bank is optional. Banks connect through Plaid, and Balance never sees your bank login. Balance doesn't sell your data. Ask Balance runs on Claude by Anthropic through Amazon Web Services, and your conversations aren't used to train AI models. Free to download.

TipDiary is the daily tip diary built for U.S. service workers — servers, bartenders, barbers, dealers, delivery drivers — with the new "No Tax on Tips" deduction math built in. LOG A SHIFT IN 30 SECONDS — FREE FOREVER • Cash tips, card tips, tip-outs, pool share, hours, sales — multiple jobs supported • The IRS already expects a daily tip record (Pub 1244). TipDiary makes it effortless • Calendar history, weekly/monthly totals • Your data is yours: CSV/JSON export and local backups, always free. No account required. TIPDIARY PRO — THE TAX MATH ($24.99/yr, $3.99/mo, or $49.99 lifetime) • Deduction dashboard: qualified tips year-to-date, $25,000 cap progress, estimated tax savings • Year-end projection based on your real pace • Tax Packet PDF: your full daily record, monthly totals, and deduction summary — ready for your tax preparer • Quarterly estimate helper for 1099/self-employed • Income insights: which job and which nights actually pay best • iCloud sync across devices OUR PROMISES • Logging and export are free forever — we never hold your data hostage • No ads, no data collection, no account • No trial traps: what's free stays free Estimates only — not tax advice. Based on current IRS/Treasury guidance for tax years 2025-2028. Requires a valid SSN to claim the deduction; married filers generally must file jointly. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://byh1113710804.github.io/tipdiary-site/privacy.html