Kora vs Settlo AI

"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/

Split bills smarter with AI. Stop entering every expense manually. Settlo AI helps you split expenses, track shared spending, and settle balances with friends, family, roommates, couples, and travel groups in just a few taps. Whether you're sharing restaurant bills, rent, groceries, vacations, utilities, or everyday expenses, Settlo AI makes managing shared costs simple and organized. Simply scan a receipt or describe an expense using your voice, and Settlo AI takes care of the rest. Scan Receipts with AI Take a photo of any receipt, and Settlo AI automatically reads the merchant name, total amount, tax, tip, and individual line items. Assign each item to the right person, and Settlo instantly calculates everyone's share. Add Expenses Using Your Voice Forget typing. Just say something like, "Split a 400 dollar restaurant bill with Ali, Sara, and John." Settlo AI understands your request and creates the expense for your group in seconds. Made for Every Group Settlo AI is perfect for friends, roommates, couples, families, travel groups, business trips, and shared households. Always know who paid, who owes, and who should receive money. Travel with Multiple Currencies Manage shared expenses across different currencies with built-in multi-currency support. Whether you're traveling abroad or splitting costs with international friends, Settlo keeps everything organized. Key Features AI receipt scanning Voice-powered expense entry Equal bill splitting Item-by-item expense splitting Custom split amounts Shared expense tracking Real-time balances Easy settlement tracking Multiple groups Multi-currency support Clean and intuitive interface Fast and simple experience Perfect For Restaurant bills Rent and utilities Groceries Vacations Road trips Events Business travel Families Couples Roommates Spend less time managing expenses and more time enjoying the moments that matter. Download Settlo AI today and discover a smarter way to split bills, manage shared expenses, and settle up together. Terms of Use (EULA): https://appaxislab.com/settlo_privacy_policy#privacy#eula Privacy Policy: https://appaxislab.com/settlo_privacy_policy#privacy