Wudget vs Stow

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 control of every dollar — before it disappears. Stow is a privacy-first envelope budgeting app for iPhone. Divide your paycheck into envelopes, log spending in seconds, and always know exactly what's left. No bank connections. No account to create. No ads. No tracking. Your budget lives on your iPhone, where it belongs. WHY ENVELOPE BUDGETING WORKS The envelope method is nearly a century old, and it still works because it's simple: you decide what each dollar is for, and you stop when the envelope is empty. Groceries, rent, coffee, savings — whatever matters to you. Stow takes that system and makes it fit the way you actually live: in your pocket, at the register, five seconds at a time. WHAT YOU CAN DO ON THE FREE TIER - Create up to 5 envelopes with custom icons and colors - Log unlimited transactions, in seconds, with a large number pad - Choose a monthly budget period that matches how you get paid - Automatic period rollover so you start fresh every month - Full spending history for your current and previous period - Multi-currency support — auto-detected from your region - Dark mode, Dynamic Type, and full VoiceOver support - Works 100% offline — no internet required, ever STOW PREMIUM (optional) Upgrade when you're ready for more power: - Unlimited envelopes - Weekly and biweekly budget periods for paycheck-to-paycheck budgeting - Full transaction history across every past period - Spending reports, trends, and charts - CSV and PDF export for spreadsheets or tax season - Additional budget templates to jumpstart setup - Custom themes and icon packs BUILT FOR REAL PEOPLE, REAL MONEY Whether you're living paycheck to paycheck, saving for a house, paying down a credit card, or just tired of hitting Friday and wondering where it all went — Stow is the shortest path to a working budget. Log your morning coffee in two taps. See your grocery budget at a glance. Know before you swipe. PRIVACY IS NOT A FEATURE — IT'S THE FOUNDATION Most budgeting apps monetize your financial data, sell it to aggregators, or use it to train ads. Stow can't, because your data never leaves your device. There is no server. There is no analytics pipeline. We never see a cent of your spending — and we never will. The only thing that touches our systems is your App Store purchase, handled through Apple's payment infrastructure and our subscription provider (RevenueCat). Budget data stays on-device. ACCESSIBILITY Stow is designed from the ground up for everyone. Every screen supports VoiceOver, scales with Dynamic Type, works in light and dark mode, and meets WCAG AA contrast. Color is never the only way something is communicated. QUESTIONS OR FEEDBACK? Email stow.contactus@gmail.com — a real human reads every message. Privacy policy: https://maxk-37.github.io/stow-legal/#privacy Terms of service: https://maxk-37.github.io/stow-legal/#terms Stow is an independent app, built by a small team who believe personal finance software shouldn't require handing over your bank login.