Wudget vs Wortly

Wudget is a personal budget app that's easy to use every day. Log an expense in a couple of seconds, even straight from a widget on your Home Screen, without opening the app. No ads, no sign-up, and everything you enter is stored only on your iPhone. Wudget splits your income between accounts: Needs, Wants and Savings, by the 50/30/20 rule or in your own proportions. AN EXPENSE IN ONE TAP Widgets for your Home Screen: add an expense, income or transfer without opening the app, and keep an account's balance in sight. While your iPhone is locked, the amounts in widgets stay hidden. YOUR PAY SPLITS ITSELF Add an income and Wudget spreads it across your accounts: 50% for Needs, 30% for Wants, 20% for Savings. Each account shows right away how much you can still spend. KNOW WHERE YOUR MONEY GOES Analytics for a week, a month, a year or any dates you choose: expenses and income day by day, each category's share and the total in your accounts. Wudget compares your spending with your average income. And a large widget shows where your money went this month, right on your Home Screen. QUICK TRACKING, NO SPREADSHEETS Amount, category, done. Your most frequent categories come first, and the rest are a search away, by name or emoji. Add a note to any transaction: who with, where and what for. Transfer between accounts, or move an account's whole balance in one tap. YOUR DATA STAYS WITH YOU No ads: nothing to watch, nothing to skip. No account and no bank login needed. Wudget doesn't send your amounts or transactions to a server, and you can take them with you at any time: export every transaction to CSV for Numbers, Excel or Google Sheets. AND THE LITTLE THINGS • Hide balances with a tap: on the bus, in a café, at the checkout • Any currency, with its flag and the number of decimal places you want • Reminders so you don't forget to log your spending • Dark theme, matching your iPhone or your own choice • The app's interface supports these languages: English, Arabic, Chinese (Simplified and Traditional), Dutch, French, German, Hebrew, Hindi, Indonesian, Italian, Japanese, Korean, Malay, Polish, Portuguese (Brazil), Russian, Spanish, Swedish, Thai, Turkish and Vietnamese • Support for VoiceOver and larger text Terms of Use: https://wudget.app/terms-and-conditions Privacy Policy: https://wudget.app/privacy-policy

Take full control of your financial life — without handing your bank password to anyone. Wortly is a privacy-first net worth and budget tracker designed for people who want clarity, not complexity. You enter your numbers manually each month, and Wortly does the math: net worth, savings rate, investment rate, passive cash flow, and a prediction of when you'll reach your goals. NO BANK LINKING. NO ACCOUNTS. NO ADS. Your data lives only on your device and (optionally) in your own iCloud. We never see it. ------------------------------ WHAT YOU TRACK ------------------------------ • Cash flow: income, expenses, and investments — split by periodical and one-time • Assets: savings, real estate, stocks, crypto — in any currency • Liabilities: mortgages, loans, credit cards • Net worth across multiple currencies with live FX rates ------------------------------ WHAT YOU SEE ------------------------------ • Dashboard Panel 1: Your net worth today, change vs last month, trend chart, savings rate streak • Dashboard Panel 2: 8 key metrics, assets bar chart with trendline, cash flow chart with moving average • Cash Flow tab: Full income/expense/investment breakdown, tag-based subtotals • Net Worth tab: All assets and liabilities with multi-currency conversion • Goals tab: Progress bars, 24-month projections based on linear regression of your actual history ------------------------------ PREMIUM FEATURES (14-day free trial) ------------------------------ • Dashboard Panel 2 with advanced charts and KPIs • Tags and tag-based subtotals for detailed budget analysis • Multi-currency support with live FX and crypto rates (BTC, ETH, SOL) • Financial goals with AI-powered projections • Home screen and lock screen widgets • iCloud sync across your devices • PDF, CSV, and JSON export Free features: Full Dashboard Panel 1, unlimited cash flow and net worth entries, all historical data. ------------------------------ DESIGNED FOR FINANCIAL INDEPENDENCE SEEKERS ------------------------------ Wortly tracks the metrics that matter on the path to FIRE: savings rate, passive cash flow vs expenses, asset growth rate, months until goal. Every month you update your data, you get a cleaner picture of your trajectory. ------------------------------ PRIVACY BY DESIGN ------------------------------ • All data stored locally using Apple's SwiftData framework • iCloud sync uses your personal iCloud — we cannot access it • No analytics SDKs, no crash reporters phoning home, no advertising identifiers • Full data export and delete at any time ------------------------------ SUBSCRIPTION DETAILS ------------------------------ Wortly Premium is available as: • Monthly: $4.99/month • Annual: $34.99/year (save 42%) 14-day free trial included. Cancel anytime in Settings → Apple ID → Subscriptions. Payment charged to your Apple ID account. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Privacy Policy: https://petrhomolka.com/wortly-privacy Terms of Service: https://petrhomolka.com/wortly-terms