Finance Tracker vs Budgy

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

Budgy makes budgeting effortless: your recurring bills, rent and salary post themselves—so your balance stays right without you lifting a finger. Then it shows the one number that actually matters: what's safe to spend today. No spreadsheets. No guilt. Just a calm, clear picture of your money. AUTOPILOT FOR REGULAR PAYMENTS Set a subscription, rent, loan or paycheck once. Budgy posts each one for you—monthly, quarterly or yearly—even when the app is closed. Your numbers are always up to date. ADD EXPENSES IN ONE TAP Log spending straight from your Home Screen or Lock Screen with widgets. No opening the app, no friction—tap, done. KNOW WHAT YOU CAN SPEND TODAY A live daily allowance keeps your budget on pace all month. Gentle guidance that helps you stay on track, never shames you for a coffee. EVERY CURRENCY, LIVE Track 100+ currencies with live exchange rates that keep working offline. Made for travel, expats and anyone juggling more than one currency. SEE WHERE YOUR MONEY GOES Clean reports with line and pie charts and category breakdowns show your spending at a glance—so you can adjust before the month gets away from you. MADE TO FEEL GOOD A playful coin dashboard, smooth modern design, and a warm tone that's on your side. ALSO INSIDE • Budgets per category • Multiple profiles • CSV import & export • Optional debts tracker PRIVATE BY DESIGN No sign-up. Your data lives on your device. Free to start. Download Budgy and let your budget run itself. Privacy: https://docs.google.com/document/d/1ioxyrTDfcn3Xqips900pqYGYRDq5IuXuTCRmqkpZYV8/edit?tab=t.0 Terms: https://docs.google.com/document/d/176ozaUTRIPQI8gStCcVRU8_eGtT-O2ut5Orhfq5dMNA/edit?tab=t.0