Monup vs Quartal Finance

Elevate your financial awareness with Monup! Budgeting, money management, tracking expenses and income, personal finance, spending habits, accounting, savings planning – these might sound complicated, but don’t worry. Monup will help you handle it all with ease. CLEAN, INTUITIVE DESIGN Enjoy a clean, user-friendly interface designed to simplify your financial routine. Spend less time figuring out the app and more time managing your finances effectively. MULTIPLE WALLETS Keep all your financial sources neatly organised with multiple wallets - perfect for sorting everything from daily expenses to long-term savings goals. UNLIMITED CATEGORIES Create as many categories as you need to accurately manage your money and see exactly how it's spent. CUSTOMISABLE ACCOUNTS Set up your accounts just how you like them. Whether you’re tracking spending limits, aiming for income goals, or just keeping an eye on everything – manage your money in a way that makes sense for you. TOTAL PRIVACY, SECURE BACKUPS Feel secure knowing all your financial data is stored privately on your device and is protected with strong backup encryption. ONE-TIME PURCHASE, LIFETIME USE Pay once and it's all yours forever. Say goodbye to subscriptions and hidden fees, and take control of your finances with a single, one-time purchase. Knowing your financial state, income, and spending habits is the first step to saving and building financial wealth. Let Monup help you on this journey!

Quartal is a smart bookkeeping and tax calculation assistant designed for Ukrainian sole proprietors (FOP Groups 1, 2, and 3). Effortlessly track income, calculate Single Tax, Unified Social Contribution (ESV), and Military Tax without messy spreadsheets. Eliminate manual calculations and currency exchange lookups. Quartal seamlessly connects with your business bank accounts, applies official NBU exchange rates, monitors revenue thresholds, and sends timely deadline reminders so you can focus on growing your business. KEY FEATURES: 1. Secure Bank Sync (Ukraine) Connect your business accounts with Monobank, PrivatBank, PUMB, and A-Bank in UAH, USD, and EUR. Transaction history syncs automatically via official read-only banking APIs. No manual transaction entries required. 2. Accurate Tax Calculations (2026) Automated calculation of Single Tax, Unified Social Contribution (ESV), and Military Tax based on current 2026 tax rates and statutory rules for Groups 1, 2, and 3. 3. Official NBU Currency Conversion Receiving foreign income in USD or EUR? Quartal automatically fetches the official National Bank of Ukraine (NBU) exchange rate on the date of receipt and converts it accurately into UAH for proper tax recordkeeping. 4. Revenue Limit Tracking Monitor your annual revenue threshold in real time. Quartal alerts you in advance when approaching group limits to prevent unexpected taxation transitions. 5. Tax Calendar and Deadlines Never miss a tax payment or filing date. Smart reminders at 14, 7, and 3 days before deadlines protect you from fines and penalties. 6. Invoices and Primary Documents Generate professional invoices, acts of completed work, and waybills in under a minute. Sign documents digitally with electronic signatures (QES / Dubidoc) and export ready-to-send PDF files. 7. Interactive iOS Widgets Keep track of upcoming tax liabilities and group limits directly from your iPhone Home Screen or Lock Screen using native iOS widgets. Security and Privacy (Local-First): - Quartal cannot initiate financial transactions or access your funds. - Financial records are never stored on external servers. All data remains strictly on your iPhone in an encrypted database protected by Face ID, Touch ID, and Apple Keychain. WHO IT IS FOR: Sole proprietors (FOP 1, 2, 3), IT freelancers, software developers, designers, digital marketers, consultants, online merchants, and self-employed professionals. Quartal — stress-free business bookkeeping. DISCLAIMER AND STATUTORY SOURCES: Quartal is an independent software application and is NOT an official representative of, affiliated with, or endorsed by the State Tax Service of Ukraine (STS) or any government authorities. The application is designed solely as a third-party personal accounting utility and tax calculator for self-employed entrepreneurs. Official sources of statutory tax rates and legislative information: - State Tax Service of Ukraine: https://tax.gov.ua - Tax Code of Ukraine (Verkhovna Rada portal): https://zakon.rada.gov.ua Terms of Use: https://quartal.app/terms.html https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://quartal.app/privacy-policy.html