Contingency Zero vs Empirical

Contingency Zero: My Emergency Preparedness App If something happened to you today, would your loved ones know how to access your important information? Contingency Zero gives you and your family peace of mind by solving one of life's most overlooked challenges. THE PROBLEM WE SOLVE In today's unpredictable world, unexpected events can strike without warning. When the unthinkable happens, families are often left dealing with emotional trauma while facing the overwhelming task of piecing together financial and legal information. Most people understand the importance of having a plan, yet few take action until it's too late. Traditional estate planning methods are often cumbersome, outdated, and fail to address the digital nature of our modern lives. A SECURE SOLUTION FOR MODERN ESTATE PLANNING Contingency Zero transforms how you prepare for life's uncertainties through a secure estate planning platform built with privacy at its core. Our innovative zero-knowledge system ensures your sensitive information remains private while allowing you to share access with designated trusted contacts. KEY FEATURES + Privacy & Security First Your information is protected with end-to-end encryption, ensuring only you and your designated contacts can access your data. Our zero-knowledge security architecture means that even we cannot see your private information. + Organize Your Life into Binders “Cars”, “Pets”, “Bank accounts” are some of your important assets. If something happened to you, you would like your survivors to know what they are, where they are, and what to do with them. We help you organize them into “Binders”. You can have as many binders as you want. Each binder has a name, a description, and a fixed binder type. For example, you could create two auto binders, one named “My Texas cars” and one named “My Florida cars”. You can even set a different icon to each binder. Binders help you organize your assets in a way that makes sense to you. + Flexible Sharing Options Share your complete estate plan or only selected binders with trusted contacts.  Choose exactly what to share and keep the rest private.  You can also enable automatic sharing so that newly added binders are shared with your trusted contacts without extra steps. + Control Access Permissions Decide how much control your trusted contacts have: Read Only – They can view your shared binders but cannot make changes. Full Access – They can add, edit, and delete binders and binder entries. Your information, your rules — share with confidence. + Detailed Version History Our version control system lets you update your information while maintaining a history of previous versions, ensuring nothing important is ever lost. + Intuitive User Experience The app guides you through the estate planning process step by step, making a complex task manageable through a clean interface. HOW IT WORKS Getting started with Contingency Zero is simple. Download the app and create your estate plan. The guided setup helps you organize information into the four binder categories. Once your information is securely stored, you can designate trusted contacts who will receive access to your estate plan. SUBSCRIPTION MODEL Contingency Zero is free to download and use for personal planning. When you're ready to share your Plan, simply subscribe to our affordable monthly plan. Only the sharing user needs a subscription; your trusted contacts can access the shared information through the free version. PEACE OF MIND IN AN UNCERTAIN WORLD No one likes to think about worst-case scenarios, but being prepared is one of the greatest gifts you can give your loved ones. Contingency Zero provides the security, privacy, and organization needed to ensure your family has access to critical information when they need it most. Download Contingency Zero today and take the first step toward protecting your legacy and providing peace of mind for yourself and those you care about most.

Know how your business is really doing—and discover ways to increase profit. Empirical is a bookkeeping and expense-tracking app built for self-employed business owners who want more than organized records. Track income and expenses, understand how your business is performing, and get insights based on your actual numbers—so you can make more informed decisions about what to do next. UNDERSTAND YOUR BUSINESS PERFORMANCE • See revenue from every client or platform, spending by category, net profit, profit margin, cash flow, recurring costs, and an estimate of what to set aside for taxes. • Follow performance over time to understand what changed—not just where the business stands today. FIND WAYS TO IMPROVE PROFIT • Get plain-language insights when margins shrink, spending increases, profit changes, or cash flow dips. • See the business activity behind each insight and review practical suggestions based on your performance. • Empirical uses your actual numbers—not forecasts or generic advice—to help you identify opportunities, control costs, protect cash flow, and make informed changes. TRACK EXPENSES WITHOUT THE BUSYWORK • Scan or upload a receipt and let AI capture the merchant, date, subtotal, tax, and total. The receipt stays attached to the expense, so the complete record is always easy to find. • Connect a business bank account or card with read-only access. Transactions are imported automatically, and purchases that may be deductible are flagged for your review—even when there is no receipt. KEEP EVERY PURCHASE ORGANIZED • Expenses from receipts and connected accounts are automatically sorted into US or Canadian tax categories with a deductible percentage you can review and change. • Create tags for clients, projects, or job sites to see what each one costs. • Search your complete expense history whenever you need it. BUILD COMPLETE, READY-TO-USE RECORDS • Category-specific guidance shows which details to record for each expense. • A readiness status shows what is complete and what still needs attention. • Create expense and financial reports when you need them. CHOOSE THE PLAN THAT FITS Empirical Track includes receipt scanning, expense tracking, automatic categorization, likely deduction flags, searchable records, and expense reports. Empirical Books includes everything in Track, plus the business dashboard, profit and cash-flow trends, recurring costs, tax estimates, complete financial reports, and guidance based on your numbers. Important: Empirical provides estimates and educational information, not tax, legal, or financial advice. Consult a qualified professional for advice about your situation. Terms of Use: https://withempirical.com/terms Privacy Policy: https://withempirical.com/privacy Empirical offers auto-renewing subscriptions. Features vary by plan. Payment is charged to your Apple Account at confirmation. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your App Store account settings.