Schmidti Budget vs Topf

Schmidti Budget organizes your finances into three simple categories to give you a full picture and complete control of your financial future. Get a safety net and fulfil your wishes! The three categories: • Budgets: Monthly amounts for groceries, clothing, fuel, and everything else. • Reserves: Money for unexpected repairs, a broken washing machine, or a job change. • Goals: Savings goals for wishes like a new bike, a dream vacation, or s new car. See where your money really goes: There is no bank account sync, each transaction has to be entered deliberately so that you always think about each transaction twice. Of course we make it as simple and fast as possible for you, for example with recurring transactions. Based on your input, Schmidti shows you your history, your monthly progress, and how much breathing room you actually have right now. Built for shared households: Share your budget with your partner or household. Every change appears instantly for everyone, so there's no more "Did you already log that?" Real-time sync across all devices. No clutter, no ads, no tracking: Many budgeting apps pile on features until the essentials disappear. Schmidti does the opposite. We also don’t track you across other apps and we do not show ads. Privacy first: • Your data is stored in the European Union. • We do not sell or share it with advertising networks. • You can delete your account, and all associated data, at any time in the app. Full privacy policy: schmidtibudget.com/en/privacy.

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: category, amount, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. TOPF AI Your personal finance assistant. Ask in your own words or by voice: “How much did I spend at cafés this year?”, “Will my money last until payday?” Topf AI finds a transaction, records spending from your words, works out where the money went and shows it as a chart. It helps you set up recurring transactions, budgets and automatic entry and finds forgotten subscriptions. And it takes on any other question or task about your book. AUTOMATIC ENTRY Connect Apple Pay, bank notifications or bank SMS once, and every payment automatically becomes a transaction in your book, with its category and account already chosen. Requires iOS 26, bank notifications iOS 27. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input, receipt scanning and Topf AI require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input, receipt scans and automatic entry, gives you more Topf AI questions, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/