Finance Tracker vs Moneyra

ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately. YOUR MONEY, YOUR RULES Your data stays on your devices and syncs only through your own private iCloud. No sign-up, no ByJo servers, no sharing. What's yours stays yours. TRACK EVERYTHING YOU OWN Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place. SMART SPENDING INSIGHTS • Spendmeter — compare today to yesterday, this week to last week • Monthly Summary — income vs. expenses at a glance • Top Expenses — know exactly where money goes • Savings Rate — measure how much of your income you keep • Asset Allocation — visualise your portfolio mix • Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time WALLET AUTO-LOG Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. OPERATION SPLITS & CATEGORY BUDGETS Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check. RECURRING OPERATIONS Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks. FINANCIAL GOALS Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever. FUND TRANSFERS Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up. EXPORT & IMPORT Back up everything as JSON, or bring operations in from CSV. HOME SCREEN & LOCK SCREEN WIDGETS Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app. SIRI & SHORTCUTS Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app. CUSTOMISABLE HOME Rearrange and hide home widgets to match how you think about money. Put what matters most at the top. 50+ CURRENCIES Pick your preferred currency and see all values in one consistent, clean view. Start with a 7-day free trial on the yearly plan, or choose the weekly plan or a one-time lifetime purchase. Subscriptions renew automatically (weekly or yearly) unless cancelled at least 24 hours before the end of the current period. Cancel anytime in your Apple Account settings. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://by-jo.com/privacy

Moneyra is a modern expense tracker that helps you take control of your personal finances — fast, simple, and completely private. No accounts, no ads, no data collection. Just you and your money. With Moneyra, you can track daily expenses, analyze spending habits, and set clear financial goals — all in a clean and intuitive interface. Key features: - Quick expense tracking — add transactions in seconds with a minimal, distraction-free design - Local data storage — your data is stored only on your device, never shared or uploaded anywhere - Privacy-first approach — no sign-ups, no analytics, no tracking - iCloud backup and restore — securely sync and restore your data when switching devices - Detailed insights — view charts and statistics to understand where your money goes. - Categories and tags — organize your transactions for better clarity. - Dark and light themes — designed to look beautiful on every screen. - Offline-first experience — all core features work without an internet connection. Moneyra is made for people who value simplicity and privacy — those who just want to track their expenses without subscriptions, accounts, or hidden complexity. Unlike most finance apps, Moneyra doesn’t rely on servers or online integrations. Everything runs locally — ensuring that your data always stays yours. Whether you want to build a budget, understand your spending habits, or simply track where your money goes — Moneyra gives you the clarity you need, without the noise. Why users choose Moneyra: * No registration or login required * No ads, ever * No internet connection needed * Beautiful, intuitive interface * Secure and reliable local database Start tracking your expenses the calm, private way — with Moneyra. Privacy Policy: https://www.moneyra.app/privacy-policy Terms of use: https://www.moneyra.app/terms-of-service