BillPlex vs KassenKompass

BillPlex is the private money tracker for two — or the whole household. Split the bills, track what comes in, and see who owes who — without an account, a bank login, or anything ever leaving your phones. Partners, roommates, or a whole household: one home, three different memories of who paid for the groceries. BillPlex ends the argument. Who paid for what, settled in seconds Assign every expense to a person, see exactly who owes who, and settle up in seconds — not on the back of an envelope. Your personal coffee stays yours and the shared groceries stay shared, so your morning latte never blows up the joint budget. No account. No bank login. No servers. No sign-up wall, no email, no password to forget — install, open, and start in five seconds. When you sync, it happens directly between your phones over your own Wi-Fi: someone adds the supermarket run while you're still at the till, and it lands on everyone's screen before you finish bagging. Even your safety net stays yours: switch on automatic backup and BillPlex quietly keeps an encrypted copy up to date in a spot you choose, locked with your password. Nothing touches a cloud, because there is no cloud. Now it counts what comes in, too: Log your income next to your spending and BillPlex shows the whole picture — money in, money out, and what's actually left. It's your own private household money manager, minus the bank logins: a real view of where your money goes and where it stands. Just you? That works too No one to split with? BillPlex is a clean, private budget tracker for one — all the tracking, charts and predictions, just none of the splitting. The sharing is there the day you need it. See the bad month coming Smart predictions read how you've been spending and earning, then tell you where the month and the year are heading — so you see the wall before you hit it, not after. And the everyday stuff, handled: Snap a receipt and BillPlex pulls the merchant, date and amount — then you bin the paper. Hands full walking home? Say "two coffees and a taxi" and they're logged before you reach the door. Every subscription in one list — catch the free trial you forgot to cancel and the auto-renew that snuck through. Overdue bills stay pinned at the top, bright and impossible to miss, so a late fee never catches you again. Our privacy promise No cloud. No accounts. No tracking. No ads. No analytics. Everything lives on your device, and backups are encrypted on your terms. We don't have your data — because we never wanted it. Your money is your business, full stop. No account, nothing to lose. Open BillPlex and start in five seconds.

No subscription. No ads. No account. AusgabenKompass is the household budget app for two people who share costs — and for everything you want to keep private. Add expenses in seconds, organise them into categories and plans such as holidays, moving home or renovations, and always see who owes whom what. The red “Open balance” card always shows the overall amount to settle, regardless of individual category or plan balances. For every entry, you decide whether it stays private or is shared. SHARED OR PRIVATE • Private expenses stay on your device • Share expenses with an invited person through your iCloud sharing • Split costs 50/50, choose a fixed currency amount, or use any percentage from 0 to 100%; the remaining share is calculated automatically • Keep balances, partial settlements and settlement history easy to follow ORGANISED WITHOUT THE EFFORT • Categories, payment methods and your own plans for trips and projects • Filter by date range, category, plan, payment method and sharing status • Monthly total and a monthly Home Screen widget YOUR DATA STAYS YOURS • Create and restore a complete backup at any time — free, even without Plus • Disconnect from a shared ledger, delete the iCloud ledger or erase this iPhone only • No user account, no registration, no advertising or analytics tools AUSGABENKOMPASS PLUS — ONE-TIME, NOT MONTHLY Plus is a one-time purchase. What you unlock stays unlocked. • Insights with monthly trends, categories and comparisons • Budget forecasts for plans with dates • Recurring expenses and fixed costs • PDF monthly reports, CSV export and printing • Plan archive and receipt archive with on-device text recognition • Plan, fixed-cost and settlement widgets • Apple Watch and an optimized iPad interface • Optional notifications about changes — without amounts, notes or names WHY THERE IS NO SUBSCRIPTION AusgabenKompass has no server of its own. Shared data lives in your iCloud, private expenses on your device. With no ongoing server costs, there is no need for ongoing revenue. Languages: German and English.