Kelo vs Cèntim

Know what leaves your account this month, before it leaves. Kelo tracks your subscriptions, bills and everyday expenses in one place, and warns you before every charge. No bank login, ever. Start free: log your first recurring expenses and as many one time expenses as you want, without paying and without connecting your bank. WHAT KELO DOES • Monthly and yearly summary: how much leaves your account, and when • Billing cycles that match real life: weekly, monthly, quarterly or any custom interval • Upcoming payments organized by category • A dashboard with four charts and your key figures at a glance • Unlimited one time expenses: coffee, groceries, fuel, anything • Widget showing how your spending is going, month by month • 10 languages and all major currencies AUTOMATIC, IF YOU WANT IT (Premium) • Pay with Apple Pay and Kelo logs the expense by itself, even with the app closed • Turn receipts and invoices into expenses with your camera • Add an expense in one tap with Shortcuts PREMIUM ALSO UNLOCKS • Unlimited recurring expenses • Alerts before every renewal, with configurable lead time • Full payment calendar, day by day • Budgets by category and savings goals • Sync and backup YOUR PRIVACY FIRST No bank connection. You choose what to add. Sync and backup are optional. Download Kelo and always know what money is committed before you spend. Subscription details: Kelo Premium is an auto-renewable subscription, available as a monthly or annual plan. The price is shown in the app before you confirm. Payment is charged to your Apple Account at purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period, and your account is charged within 24 hours before the period ends. You can manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juicestudio.notion.site/Legal-1d20ce62bcb5805ca800e676ef7aa8ed

Cèntim is a private expense tracker built for iPhone. Capture what you spend, review it when it suits you, and understand your month without handing your financial life to another server. Activate a full 7-day free trial through the App Store when you are ready. To keep adding and changing expenses afterwards, unlock lifetime access with a one-time purchase at the price shown in your App Store. No subscription, renewal, or automatic charge. Activation, purchases, and restoring purchases need an Apple connection; your expense data stays local. Without lifetime access after the trial, you can still browse your history, trips and widgets, export CSV files and backups, recover deleted expenses, delete trips or reset data, use privacy/settings, and restore purchases. Adding, editing, confirming or splitting expenses, creating or editing trips, changing trip assignments, new Wallet/Shortcuts captures, importing data or restoring backups, and changing budgets or categories require active access. See your monthly total, daily spending, category breakdowns, month-over-month changes, and progress towards a monthly target in one clear view. Create trips to group expenses automatically by date, with manual exceptions and separate totals for every currency. Add expenses with the fast built-in calculator, or optionally create a personal Apple Wallet automation in Shortcuts. Cèntim receives only the fields you choose and cannot read Wallet directly or connect to your bank. Features: - Monthly targets and daily spending pace - Category and merchant insights - Trips with automatic date grouping - Search, filters, and a focused review queue - Shared purchase calculations - Revision history and recovery of deleted expenses - CSV export for transactions and edits - Optional app lock with Face ID or device passcode - Local notifications - Private monthly Home Screen and Lock Screen widgets No account. No expense-data backend. No ads. No analytics. No tracking. Cèntim stores expense data locally; iOS may include it in device backups, and exporting creates a copy you control.