Kora vs Klarr

How much can I safely spend today? Kora helps you find out without linking your bank accounts. Track manually, build awareness, and take control with a budget that adapts daily. FINANCIAL AWARENESS THROUGH MANUAL TRACKING Kora requires manual tracking — and that's the point. When you log every transaction as it happens, you: + Know your true balance at any moment + Feel the impact of each purchase + Make conscious choices instead of autopilot decisions Manual tracking takes about30 seconds per transaction. But in those 30 seconds, you build the financial awareness that auto-sync apps can't provide. WHO IS KORA FOR? + Single users managing personal finances (not designed for couples/families) + People ready to build financial awareness through active engagement + Users who want a realistic budget that works with their life + Anyone who values privacy and data security [[[ KEY FEATURES ]]] SMART BUDGET + See exactly how much you can safely spend today + View tomorrow's budget preview based on today's spending + Track weekly spending to pace yourself throughout the month + Stay on track with realistic, adaptive budgets COMPREHENSIVE TRACKING + Log income, expenses, and transfers with ease + Track upcoming transactions (bills, savings, debt payments) + Set up recurring transactions for subscriptions and regular bills + Save frequently-used transactions as favorites for faster logging + Use voice input + AI to log transactions faster ACCOUNT MANAGEMENT + Mirror your real accounts without linking them: debit cards, credit cards, savings, debt, and lending + See your net worth calculated automatically + Track total assets and liabilities at a glance + Link transactions to specific accounts BUDGETING TOOLS + Set spending limits for categories and subcategories + See how much budget you have left for each category—today and this cycle + Spot overspending early with real-time tracking + Start your budget cycle on any day of the month + Supports 160+ currencies worldwide INSIGHTS & ANALYTICS + Expense breakdown by category + Top 10 expenses across all categories + Income vs. expenses for the last 12 months + Real-time balance breakdown (upcoming bills, total expenses, savings) PRIVACY-FIRST DESIGN + No bank account linking required + Your financial data stays on your device -------------------------- ACTIVE DEVELOPMENT + Kora Budgeting is actively maintained, with new features and improvements added over time. + Should you need any help or have some inquiries, feel free to reach out to me at support@korabudgeting.com. + Bug reports, inquiries, and feedback are reviewed promptly, with responses typically within 3-5 business days. -------------------------- SUBSCRIPTION TERMS Kora Budgeting offers an auto-renewing monthly and yearly subscription, 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. READ MORE ABOUT OUR TERMS & CONDITIONS HERE: 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/

Klarr is a personal finance app that shows you where your money goes. Import your bank statements, add expenses by hand or from a receipt, and keep an eye on budgets and subscriptions - with your data stored on your iPhone and synced through your own iCloud. IMPORT AND SCAN • Import statements as CSV, Excel (XLSX and XLS) or PDF - including password-protected PDFs • Reads column headings in English, Turkish, German, Spanish, French and Portuguese: separate debit/credit columns, a single amount column, or an amount with Dr/Cr • Re-importing a statement flags duplicates so you can keep or skip each one • Scan a receipt with your camera — Klarr suggests the total, date and merchant for you to check • Your keyword rules sort transactions into categories automatically TRACK EVERYTHING • Add bank accounts, credit cards and wallets, each with its own balance • Set an overall monthly budget, or a budget per category • Keep your subscriptions in one list with a monthly total and optional reminders before they bill • Record transfers between your own accounts without counting them as spending SEE THE BIG PICTURE • A money-flow chart from income to spending • Spending by category and month-by-month comparisons • A daily spending calendar and your weekday spending pattern • Budget progress so you always know where you stand • Ask in plain words: "how much did I spend on food last month", "over 500", "Amazon in March" YOUR PRIVACY • Your data lives on your iPhone and syncs through your own private iCloud - no Klarr account needed • Your iCloud data is private to you - we can't see it • No ads, and your data is never sold • Anonymous crash reports and usage statistics help us fix bugs; they never include amounts, merchants or notes • Export your transactions as CSV or PDF whenever you want ORGANIZE YOUR WAY • Create categories with your own colors and icons • Set rules to tag transactions automatically (e.g. "Netflix" goes to Entertainment) • Select many transactions at once to recategorize or delete them QUICK ENTRY • Log an expense with Siri or the Shortcuts app