Bear Wallet vs Budget App

Bear Wallet is a powerful yet simple personal expense tracker designed to help you manage your finances effortlessly. With an intuitive interface, you can easily track expenses, set budgets, and gain financial clarity. Your data is stored 100% locally, ensuring complete privacy and security—no cloud storage, no third-party access, just you in control of your finances.

Where does your money go? ZeroBudget shows you at a glance and helps you give every dollar a job before you spend it. Zero-based budgeting, credit cards with installment plans, a grocery list and shared expenses, all in one iPhone app. And it's truly private: your data stays on your phone, with no account, no servers and no bank linking. — CONTROL YOUR MONTH — • Zero-based budget: assign every dollar of your income and always know what's left in each category • A three-color heatmap (green, yellow or red) to see in seconds where you're on track and where you're overspending • Category trends, month by month: find out where you spend more • End-of-month estimate: how you'll close against your plan — CARDS, INSTALLMENTS AND PAYMENTS — • Credit cards with statement and payment dates, plus installment plans (buy now, pay later): what you owe this period and what's left • Scheduled expenses organized by card and frequency: rent, subscriptions, installments • Savings goals with a date: know how much to set aside each day — FAST TO USE — • Log an expense in seconds, scan a receipt or just tell Siri • Grocery list with a live total that becomes an expense when you're done, with Dynamic Island while you shop • Split expenses with family or friends and see who owes you • Widgets, reminders and color palettes for your categories — YOUR DATA IS YOURS — • Everything is stored only on your iPhone • The app never sends your data to any server, and we have no access to it • No account, no email and no bank connection • Works offline • No ads or trackers: the App Store privacy label says "Data Not Collected" • Protected with Face ID, Touch ID or PIN If you back up to iCloud Drive or share via AirDrop, you decide where your data goes. — FREE AND PRO — When you install, you try all of Pro free for 30 days, no card needed. After that you keep logging for free, with unlimited transactions, 1 debit account and 1 credit card, 1 goal, 1 installment plan, 1 split expense, 1 recurring expense and 1 shopping list active at a time. You can always view and back up your data, even if you don't pay. Pro adds the spending Heatmap, analytics with an end-of-month estimate and trends, receipt scanning and Siri, import from Excel or CSV, color palettes, password-protected backup and unlimited everything. Monthly or annual subscription; cancel anytime. If you installed ZeroBudget before October 19, 2026, you keep your original free plan: 2 accounts plus cash, 1 goal, 2 installment plans, 2 split expenses, 1 shopping list, unlimited recurring expenses, and scanning and Siri included. Terms: https://araniosoft.com/zeroBudget/terms-en.html Privacy: https://araniosoft.com/zeroBudget/privacy-en.html Support: soporte@araniosoft.com