Finance Tracker vs Budler

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

Budler is for you. It's the personal finance app for people who want real answers, not reassurance. Budler is a free expense tracker, budget planner, and spending tracker for daily money management. Track expenses in seconds, plan a monthly budget, monitor bills and subscriptions, split spending across multiple accounts, and set savings goals you'll actually hit. FEATURES • AI Coach: Pick a personality — Supportive, Brutal, or Gen Z (plus Premium personalities BrainRot, Wealthy Mentor, and Romantic) — and get spending feedback that actually matches your mood. • Hours of Life (Premium): See every expense converted into hours of your income, not just dollars. A $45 dinner hits different when it reads "10.8 hours of your life." • Multi-Currency: Log expenses in any currency while travelling or spending abroad — Budler converts and tracks everything in your base currency automatically. • Budget Buckets: Split a monthly budget across spending buckets and track real-time spending against each one. • Bill & Subscription Tracking: Never get blindsided by a recurring charge again. • Savings Goals: Set a target, watch your progress grow, and check it off when you hit it. • iCloud Backup: Back up and sync your data across your devices — free, no subscription — or keep everything fully offline as a private money manager. • Works Offline: Every expense saves to your device first. No account, no sign-up, no bank login. BUDLER PREMIUM — ONE PAYMENT, YOURS FOREVER • 3 AI coaching sessions a month (the free plan includes 1) • Create, edit, and delete your own budget categories • Up to 3 accounts — Personal, Business, Joint, side by side • Hours of Life • BrainRot, Wealthy Mentor, and Romantic coach personalities No subscription. No recurring charge. One single purchase. Most finance apps are too gentle to actually change your habits. Budler isn't. Download Budler — the expense tracker and budget planner with an AI coach that judges you, in a good way.