Finance Tracker vs Sango

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

Snap a photo of your statement and AI enters everything for you. Sango tracks your entire portfolio in one place: stocks, ETFs, crypto, gold, bonds, real estate, private equity. No bank login. No subscription. No noise. NEW: AI DOES THE DATA ENTRY • Take a photo of a statement or share a screenshot from your bank: AI reads every transaction, you check, Sango saves. • Your accounts checked from a screenshot: Sango compares every position, shows the differences and fixes them with you. • With Apple Intelligence, reading happens in Apple's private cloud, with no key and no account to create. Or use your own AI key. • Automatic dividends: on each ex-dividend date, Sango works out the amount from your shares and suggests it. • CSV import of your bank statements, without touching what you've already entered. YOUR PLAN, YOUR RULES — WE JUST DO THE MATH • Dollar Cost Averaging (DCA): the discipline of regular contributions. • Value Averaging (VA): the contribution that keeps you on target, larger when markets fall, smaller when they run ahead. • Recurring contributions and contribution limits (IRA, 401(k), HSA…): every due date reminded, every account tracked. Sango never suggests what to buy or when to sell: it applies your rules, nothing more. SEE YOUR WEALTH CLEARLY • 8 asset classes, multi-currency: the currency effect is isolated, not buried in performance. • A logo on every line, a unified journal of all your transactions, widgets on your home screen. • Income calendar: upcoming dividends, coupons and rent, with passive income projected over 12 months. • Watchlist: follow an asset before you even own it. • Stock splits and reverse splits: quantities, average cost and performance stay accurate. MEASURE LIKE A PROFESSIONAL • Time-weighted (TWR) and money-weighted (MWR) returns. • Sharpe, Sortino, volatility, VaR, stress scenarios, Monte Carlo simulation. • 35 benchmark indices with 30 years of history built in: everything works offline. • Correlation and diversification score. DECIDE WITH METHOD • Rebalancing: target allocation, drift, the contributions that bring you back in line. • FIRE projection: Coast FIRE, withdrawals, historical crises, and now your pension in the calculation. Projections, not promises. • Gains summary: an estimate of your capital gains and investment income. An estimate, never a tax return. • PDF reports and XLSX import/export in 10 languages: your data comes in and goes out freely. AN APP THAT FEELS LIKE YOURS • Washi, cream Japanese paper, or Obsidian, deep matte black: wallpapers that transform Sango, and others that follow the seasons. • Discreet mode: amounts hidden with one gesture. • Guided setup, demo mode and help on every metric. PRIVACY BY DESIGN Your financial data belongs to you. Period. • No bank connection, no account, no tracking. • Your data stays on your device and in your private iCloud. A statement is read by an AI only if you hand it over. • Optional automatic prices through your own API keys, refreshed daily in the background. ONE PURCHASE, EVERY DEVICE Free trial: track your first asset at no cost. Sango Premium, a single one-time purchase, unlocks unlimited assets on iPhone, iPad and Mac, with iCloud sync. No subscription, ever. SANGO KAKU The Japanese coral-bark maple: quiet growth, season after season. Patience over panic. IMPORTANT Sango Finance is a tracking and calculation tool. It does not provide investment advice, recommendations, or any incentive to trade. Market data comes from third-party providers and is not guaranteed. Apple Intelligence requires a compatible device. Investing involves a risk of capital loss.