Kora vs SpendWise

"How much can I safely spend today?" Kora answers that every day, without linking your bank accounts. Log your spending by hand, watch your daily limit update, and stay in control with a budget that adapts to you. SMART BUDGET: YOUR DAILY SPENDING LIMIT Smart Budget works out how much you can safely spend today. It spreads your money across the days left in your cycle, after setting aside the bills, debt payments, and savings you've logged. It updates daily and adapts as you go: spend less today, get more tomorrow. • Bills, payments, and savings you've dated later in the cycle are set aside before they're due • Credit card purchases count when you make them, not when the bill arrives • Know at a glance if you're on track, near your limit, or overspent NO BANK LINKING. YOUR DATA STAYS YOURS. • No bank account connection required • Your data is stored in your own iCloud, not on Kora's servers • Never sold, shared, or used for ads WHY MANUAL TRACKING WORKS Kora is a manual expense tracker, and that's the point. Logging a transaction takes about 30 seconds, and in those seconds you: • Know your true balance at any moment • Feel the impact of each purchase • Make conscious choices instead of autopilot ones That's the awareness auto-sync apps can't give you. BUDGETS THAT FIT YOUR LIFE • Create multiple budgets for any date range, one-time (like a trip) or recurring • Set limits for expense, savings, and debt categories and subcategories • See what's left in each category, today and for the whole period EXPENSE & INCOME TRACKING • Track income, expenses, and transfers • Set up recurring transactions for subscriptions and regular bills • Save frequent transactions as favorites for faster logging • Add a location to any transaction ACCOUNTS & NET WORTH • Mirror your real accounts without linking them: debit cards, credit cards, savings, debt, and lending • See your net worth, total assets, and liabilities at a glance • Link transactions to specific accounts • Keep personal, work, and business finances separate with Spaces INSIGHTS • Spending breakdown by category • Your top 10 expenses across all categories • Income vs. expenses for the last 12 months • Real-time balance breakdown: upcoming bills, expenses, and savings • Savings tracker ALSO • 160+ currencies WHO IS KORA FOR? • Individuals managing their personal finances (Kora isn't designed for shared couple or family budgets) • People who want to build money awareness by tracking actively • Anyone who wants a realistic budget that fits their life • Anyone who values privacy ACTIVELY DEVELOPED • Kora is actively maintained, with new features and improvements added regularly. • Questions, bug reports, or ideas? Email me at support@korabudgeting.com. I read every message. -------------------------- SUBSCRIPTION TERMS Kora Budgeting offers auto-renewing monthly and yearly subscriptions, as well as a one-time lifetime purchase for unlimited Premium access. Payment will be charged to your Apple ID account upon confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renewal by opening your device's Settings app, tapping your Apple ID name at the top, and selecting "Subscriptions". Any unused portion of a free trial, if offered, will be forfeited when you purchase a subscription. Terms of Use: https://www.korabudgeting.com/terms-of-use Privacy Policy: https://www.korabudgeting.com/privacy-policy End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Money isn’t just numbers. It’s your habits, your choices, your everyday life. SpendWise: Expense Diary helps you understand where your money goes—without overwhelming you. No clutter. No complexity. Just a simple, thoughtful way to track your expenses and see the bigger picture. Why SpendWise? Because most expense apps feel like work. SpendWise is different. It’s designed to feel natural—like a daily habit you’ll actually stick with. * Log expenses in seconds * Stay aware without overthinking * Build clarity, one entry at a time See Beyond the Numbers Tracking is just the beginning. Turn your spending into meaningful insights: * Visual charts that show where your money goes * Trends that help you understand your habits * Smart breakdowns across weeks, months, and years Because better awareness leads to better decisions. Stay in Control with Budgets Set simple budgets and stay on track: * Know how much you’ve spent at a glance * Understand how close you are to your limits * Build mindful spending habits over time Built for Simplicity No noise. No unnecessary features. * Clean, minimal interface * Light, dark, and custom themes * Weekly, monthly, and yearly views * Powerful search to find any expense instantly Everything you need—nothing you don’t. Your Data, Your Control Your financial data stays with you. No accounts. No unnecessary tracking. Just your personal expense diary. Start Small. Stay Consistent. You don’t need perfect budgeting. You just need awareness. A few entries a day can change how you see your money. Download SpendWise today and take the first step toward mindful spending.