Chagok vs Monyze

Chagok is a flexible expense tracker designed for real life — whether you’re managing money on your own or sharing costs with your partner, family, or friends. Instead of just asking “how much did I spend?”, Chagok helps you see exactly what you spent your money on. [ Break down every expense ] Split a single transaction into multiple categories like groceries, household items, or personal spending. Even complex expenses stay clear and organized. [ Share what you need, keep the rest private ] Share specific accounts with others while keeping everything else to yourself. You stay in control of what others can see. [ See everything at a glance ] Track your spending with a calendar view and monthly reports. Understand your habits with category breakdowns. [ Get a full picture of your money ] Combine accounts and cards to see your total balance and financial flow in one place. [ Built with privacy in mind ] Control access for each shared account. Share confidently without exposing everything. [ Recommended for ] - Anyone who wants a simple yet detailed expense tracker - Couples, roommates, and families managing shared costs - People who want flexible sharing without losing privacy Start today and manage your money with more clarity and control.

Who with, what for, how - track and analyze your spending from every angle Monyze is a new kind of budget tracker that lets you tag each transaction with multiple categories at once. When you record "$50 dinner with a friend": Other apps: Food $50 - done. Monyze: Who? Friend / What? Food / Type? Variable - all at once! Now you can instantly see how much you spend with friends, how much of your food budget is fixed costs, and so much more. [!!!Launch Special - All Features Free!!!] Download now and enjoy every feature, including premium tools, completely free. [Multi-Angle Analysis - Only in Monyze] - Multi-Category System Apply multiple classification layers to each transaction: "With / For / Nature" and more. Add, edit, or remove top-level categories freely. Build your own classification system. How to use it: - With: Track spending by companion - Me, Friends, Partner, Family - For: Categorize by purpose - Food, Transport, Culture, Living - Nature: Fixed vs Variable costs for financial health checks - Add your own: "Payment method", "Project", "Trip" - any angle you want - Category Filter Analysis Toggle category layers on and off in pie charts and bar graphs to explore your spending patterns from every angle. - Linked Transactions Link related transactions and only the net amount counts in your totals. Records are preserved, double-counting is eliminated. Perfect for: - Splitting bills: Pay $100 for the group, get $75 back, only $25 counts as your expense - Lending and repaying: Link the loan and repayment to see the net impact - Investment buy and sell: Link purchase and sale to instantly see your profit or loss - Card cashback and rewards: Link the cashback to the original purchase for true spending - Refunds: Link the refund to the purchase for clean accounting [Smart Money Management] - Income, expense and savings at a glance per account - Charts by period (weekly / monthly / yearly) - Calendar view with daily income and expenses - Transaction search (category filter + text search) - Edit, delete, or unlink transactions anytime [Works Worldwide] - 14 currencies supported - Record in local currency while traveling - auto-converted to your base currency - Manually adjust exchange rates anytime - Full English and Korean support [Excel Dashboard Export] - Export all transactions to a polished Excel file in one tap - Financial dashboard: savings rate, emergency fund ratio and fixed-cost ratio auto-diagnosed - Set a net worth goal and get required savings and investment return calculated automatically - Weekly, monthly and yearly summaries with category breakdowns - Auto-filters to slice and dice your data freely [Privacy First] - No servers - all data stays on your device - Even we cannot see your data - Works perfectly offline - PIN lock to protect your app Understand your spending in 3D with Monyze, and take the next step toward your financial goals. Contact: uraniumura1996@gmail.com