Actual Budget Spendıng Tracker vs Moni

Actual Budget is a calm and modern money manager that helps you understand what you can safely spend, stay ahead of bills, and build better financial habits without stress. Track expenses, income, savings, debt, cash flow, and net worth in one clean app built for iPhone and iPad. Safe to Spend See how much you can safely spend today or this week after bills and essentials. Actual Budget gives you a clearer view of your real budget before you spend. Expense and Income Tracking Add one-time or recurring expenses and income in seconds. Organize everything with categories, edit quickly with swipe actions, and review your money with search, filters, and clear totals. Savings Goals Create savings goals, track deposits and withdrawals, and follow your progress visually. You can also send part of your income directly to savings goals automatically. Bills, Alerts, and Notifications Get bill reminders before due dates, budget alerts at 75, 90, and 100 percent, savings milestone notifications at 25, 50, 75, and 100 percent, and optional weekly summaries. Cash Flow, Debt, and Net Worth Plan ahead with cash flow forecasting, manage debts with smarter payoff guidance, and track assets and liabilities to understand your net worth over time. Widgets and Tips Use 4 home screen widgets for Safe to Spend, recent expenses, upcoming payments, and savings progress. Explore 400 plus practical budget tips to build stronger money habits. Currencies and Devices Use 17 major currencies including USD, EUR, GBP, AUD, CAD, JPY, MXN, BRL, KRW, PLN, DKK, NOK, SEK, TWD, RUB, CNY, and TRY with live exchange rates and offline fallback. Enjoy dark mode, native iPad layouts, keyboard shortcuts, iCloud sync, and easy restore when switching devices. Languages and Privacy The app currently supports English, Spanish, French, German, Portuguese, Dutch, Italian, Korean, Japanese, Polish, Danish, Norwegian Bokmål, Swedish, Chinese Traditional, Russian, and Chinese Simplified with auto-detect. Your data is designed to stay under your control with local storage and iCloud sync, so budgeting stays simple, private, and reliable. Purchase Required Actual Budget is a premium app. A purchase is required to use the app and unlock the full experience, including tracking, planning tools, widgets, and advanced money management features. Independent app. Not affiliated with actualbudget.org. Terms of Use: https://afterbudget.com/terms Privacy Policy: https://afterbudget.com/privacy

Moni tells you what your subscriptions cost you every month, and what gets charged on any given day. Enter what you pay once and you're done. WHAT IT DOES • A calendar of the month. Tap a day to see what renews, with price and category. • Your monthly spend, always visible. Annual plans are spread across twelve months, so the number is the real one. • A catalog with prices already filled in: 23 services and their plans. Pick your plan and it fills itself in. Not in the list? Add it by hand in ten seconds. • Reminders. Moni tells you as many days ahead as you want, at the hour you want, and each subscription can have its own reminder. • Categories: entertainment, music, software, productivity and services. • Every currency on its own. If you pay for some things in dollars and others in euros, you'll see both totals side by side. Moni won't invent an exchange rate to merge them into a number that isn't true of anything. • Dark mode, light mode, or whatever your system is set to. In English and Spanish. ACTUALLY FREE No paid tier, no ads and no cap on how many subscriptions you track. Everything the app does is there from day one. There is nothing to unlock. NO ACCOUNT, NO INTERNET There's no sign-up and no login: you open the app and it works. Moni doesn't connect to the internet. It sends nothing to any server, has no analytics, and doesn't know who you are. Everything you enter lives on your phone and nowhere else. Uninstall the app and it goes with it. It doesn't connect to your bank or your cards either: you tell it what you pay, and it keeps count.