Finance Tracker vs pagu

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

pagu is a very simple expense tracker. Type what you bought, type the amount, tap add. That's the whole app. No sign-up. No bank connection. No budget wizard standing between you and writing down a ¥400 coffee. Just a fast way to record what you spent and an honest running total. THE MONTH TOTAL, IN HUGE NUMBERS The first thing you see is what you've spent this month, set in type big enough to be slightly uncomfortable. Everything else serves it: a title field, an amount field, a date chip, a category chip, and one big "add expense" button. ADD AN EXPENSE IN SECONDS • Type, tap, done — no menus, no multi-step forms • Backdate anything: tap the date chip and pick any day up to today • Tag it with a category, or don't — categories are optional • Switch months from the chip in the corner to review or fill in the past SEE WHERE IT ACTUALLY WENT • Every entry for the month, grouped by day, newest first • Filter by category, or down to a single day • A by-category breakdown with percentage bars, so the surprise is visible • Delete any entry with one tap MAKE IT YOURS • 15 currencies — yen, US dollar, euro, pound, yuan, won, rupee, rupiah, Australian and Canadian dollars, Swiss franc, Mexican peso, Brazilian real, Singapore dollar — plus a no-symbol mode for people who just want numbers • Categories are yours: eight to start (grocery, dine out, transport, utilities, wants, health, rent, and none), add your own, delete the ones you'll never use PRIVATE BY DEFAULT There's no account because there's no server. Your expenses live in one database file on your device. They are never uploaded to us, never synced, never sold, never shown to an advertiser. pagu asks for no location, contacts, camera, photo or storage access — it doesn't need any of it. The app sends anonymous crash reports and basic usage analytics (which screens get opened) so bugs can be found and fixed. Amounts, titles and your category names are never included in any of it. Because everything is local, there's no sync between devices — your phone's copy is the copy. If you use iPhone's built-in backup, your expense file rides along with it and comes back when you set up a new phone. ABOUT THE PUG "pagu" (パグ) is Japanese for pug, so the app is dressed as one. Fawn coat background, mask-black ink, tongue-pink accents, a small pug face beside the wordmark, and a paw print marking each day in your list. The "add expense" button is the pug's face. WHO IT'S FOR People who installed a full-featured finance app, linked the accounts, set up the categories, and quietly stopped opening it three weeks later. If what you actually wanted was a notebook that adds things up, this is that. Free. No ads. No in-app purchases. No account.