Finance Tracker vs CashMap

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

CashMap is the simplest way to take control of your money using the proven envelope budgeting method — completely offline and private. SIMPLE ENVELOPE BUDGETING Divide your income into envelopes like Rent, Groceries, Fun Money, and Savings. When you spend, log it against the right envelope. When an envelope is empty, you stop spending in that category. It's that simple. 100% PRIVATE — NO BANK LINKING CashMap never asks for your bank login. No cloud sync. No account to create. Your financial data stays on your device and nowhere else. BEAUTIFUL VISUAL DASHBOARD See exactly where your money is going with color-coded progress bars. Watch envelopes fill up in real time. Know instantly which categories have room and which are running low. KEY FEATURES • Create unlimited custom envelopes with monthly budgets • Quick-add expenses in seconds • Monthly rollover — unspent money carries forward automatically • Visual dashboard showing spend vs. budget at a glance • Monthly and weekly spending summaries • Home screen widget showing your top envelope balances • Export your data as CSV anytime • Dark mode support • No ads. No tracking. No data collection. BUILT FOR REAL PEOPLE Whether you follow Dave Ramsey's envelope system, practice FIRE budgeting, or just want a simple way to stop overspending — CashMap gives you a clear picture of your money without the complexity. Download CashMap and start budgeting in under 60 seconds. Some features require a premium subscription to access. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://cashmap.evtsoy.com/privacy