Fealthy vs Quartal Finance

Why Fealthy? ● All your accounts together Monobank connects with your consent in the bank's own app, and new transactions arrive on their own. Add cash and your other accounts by hand. Upload statements from other banks as files: PrivatBank, Raiffeisen, PUMB, Revolut, Wise and more are supported. ● Auto-categories and analytics Transactions land in categories on their own, based on the merchant, the bank's data and your own rules. Charts and widgets show where the money goes, and Insights has NBU and bank exchange rates. ● An AI chat about your money Ask where this month's money went, or send a statement or a photo of one: the chat reads the transactions and shows them before anything is imported. It only proposes changes to your data, and nothing changes until you confirm. ● Budgets and a shopping list Set a limit for a day, a week, a month or a year, for categories, accounts or labels. Fealthy alerts you when a limit is nearly used up, and the shopping list shows how much will be left in the budget. ● Payment calendar Add subscriptions, regular and one-off payments: the calendar shows what is due and when. Reminders keep you from missing one. ● Goals, debts and deposits Give a goal an amount and a date, and Fealthy suggests how much to set aside. You can also track debts, deposits and OVDP (Ukrainian government bonds): who owes whom, when a term ends, when the next coupon arrives. ● Control and security Sign in with a passcode, Face ID or a fingerprint. Your accounts and transactions are stored on Google Cloud in Europe. An account can be shared with another person as view-only. Fealthy is not a bank: your money stays in your banks.

Quartal is a smart bookkeeping and tax calculation assistant designed for Ukrainian sole proprietors (FOP Groups 1, 2, and 3). Effortlessly track income, calculate Single Tax, Unified Social Contribution (ESV), and Military Tax without messy spreadsheets. Eliminate manual calculations and currency exchange lookups. Quartal seamlessly connects with your business bank accounts, applies official NBU exchange rates, monitors revenue thresholds, and sends timely deadline reminders so you can focus on growing your business. KEY FEATURES: 1. Secure Bank Sync (Ukraine) Connect your business accounts with Monobank, PrivatBank, PUMB, and A-Bank in UAH, USD, and EUR. Transaction history syncs automatically via official read-only banking APIs. No manual transaction entries required. 2. Accurate Tax Calculations (2026) Automated calculation of Single Tax, Unified Social Contribution (ESV), and Military Tax based on current 2026 tax rates and statutory rules for Groups 1, 2, and 3. 3. Official NBU Currency Conversion Receiving foreign income in USD or EUR? Quartal automatically fetches the official National Bank of Ukraine (NBU) exchange rate on the date of receipt and converts it accurately into UAH for proper tax recordkeeping. 4. Revenue Limit Tracking Monitor your annual revenue threshold in real time. Quartal alerts you in advance when approaching group limits to prevent unexpected taxation transitions. 5. Tax Calendar and Deadlines Never miss a tax payment or filing date. Smart reminders at 14, 7, and 3 days before deadlines protect you from fines and penalties. 6. Invoices and Primary Documents Generate professional invoices, acts of completed work, and waybills in under a minute. Sign documents digitally with electronic signatures (QES / Dubidoc) and export ready-to-send PDF files. 7. Interactive iOS Widgets Keep track of upcoming tax liabilities and group limits directly from your iPhone Home Screen or Lock Screen using native iOS widgets. Security and Privacy (Local-First): - Quartal cannot initiate financial transactions or access your funds. - Financial records are never stored on external servers. All data remains strictly on your iPhone in an encrypted database protected by Face ID, Touch ID, and Apple Keychain. WHO IT IS FOR: Sole proprietors (FOP 1, 2, 3), IT freelancers, software developers, designers, digital marketers, consultants, online merchants, and self-employed professionals. Quartal — stress-free business bookkeeping. DISCLAIMER AND STATUTORY SOURCES: Quartal is an independent software application and is NOT an official representative of, affiliated with, or endorsed by the State Tax Service of Ukraine (STS) or any government authorities. The application is designed solely as a third-party personal accounting utility and tax calculator for self-employed entrepreneurs. Official sources of statutory tax rates and legislative information: - State Tax Service of Ukraine: https://tax.gov.ua - Tax Code of Ukraine (Verkhovna Rada portal): https://zakon.rada.gov.ua Terms of Use: https://quartal.app/terms.html https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://quartal.app/privacy-policy.html