Bloom vs iNuMo

Bloom is a private, offline-first money tracker. No account required. No server. Everything stays on your iPhone. KNOW WHERE YOU STAND One honest number: your account balances minus what you've spent on credit cards this cycle. Add your bank account, cash wallet, Touch 'n Go, EPF, ASB, or Tabung Haji and get a real picture of your financial position. TRACK EVERY RINGGIT - Log transactions manually in seconds - Scan receipts with your camera, OCR reads the merchant and amount for you - Connect Apple Pay via a Shortcuts automation for automatic logging - Import your bank statement as a CSV, Bloom maps the columns and skips duplicates PLAN AHEAD - Monthly budgets per category with a live progress bar - Savings goals with optional auto-contribution schedules - Loans, installments, and recurring bills tracked in one place - 30/60/90-day cashflow forecast warns you before your balance dips SEE THE BIG PICTURE - Net worth: assets minus liabilities with a monthly trend chart - Spending insights: burn rate vs your 3-month average, category spikes, card utilisation alerts - Recurring payment audit, find subscriptions you forgot about - Daily heat strip, weekday vs weekend split, projected month-end spend BUILT FOR MALAYSIA - Ringgit (RM) formatting throughout - EPF, ASB, and Tabung Haji as built-in account types - LHDN tax relief codes mapped to categories - Tax Pack export: receipts and a category-sorted CSV ready for e-filing - Bahasa Malaysia interface option PRIVATE BY DESIGN - All data lives on your iPhone and syncs to your own private iCloud, never ours - Scanned receipts stored with file-level encryption - Face ID / Touch ID lock with a configurable grace period - Content hidden from the iOS app switcher HOME SCREEN WIDGETS Four glanceable widgets: spent this month, budget left, next bill due, and savings progress. Available on the Home Screen, Lock Screen, and in the Dynamic Island. Bloom is free forever for manual tracking. Bloom Pro unlocks the receipt scanner, Apple Pay auto-log, CSV import, unlimited accounts and cards, Home Screen widgets, the full Insights suite, iCloud sync across your devices, and the LHDN Tax Pack export. Monthly, yearly with a 7-day free trial, or a one-time lifetime purchase. Your data stays on your device either way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

iNuMo – Budget Planner & Expense Tracker (Offline & Private) iNuMo is a powerful offline budget planner and expense tracker designed to help you manage your personal finance securely. Track income, control spending, plan budgets, and monitor cash flow — all without needing an internet connection. If you're looking for a private, secure, and easy-to-use money manager, iNuMo is built for you. 1. 100% Offline & Privacy Focused Unlike many finance apps, iNuMo works completely offline. • No forced account registration • No cloud dependency • App lock security protection • Full offline backup & restore Your financial data stays on your device — always. 2. Complete Expense & Income Tracker Easily track: • Daily expenses • Income • Transfers between accounts • Multiple accounts (cash, bank, e-wallet) Stay in control with a clear transaction history and real-time balance updates. Perfect for anyone who needs a reliable spending tracker or personal finance tracker. 3. Smart Budget Planner Create flexible budgets that match your lifestyle: • Budget per account • Budget per category • Daily, weekly, or monthly budgets • Monitor spending progress Avoid overspending and improve your financial discipline. 4. Recurring Transactions & Bill Reminder Automate your financial tracking: • Recurring income • Recurring expenses • Recurring transfers • Bill reminders to avoid late payments Your smart bill reminder and finance tracker in one app. 5. Receipt Scanner with Auto Fill Quickly scan receipts and automatically fill transaction details. Spend less time typing and more time managing your money. 6. Financial Insights & Reports Understand your spending habits with powerful insights: • Daily spending summary • Net cash flow overview • Spending by category • Budget performance tracking Make smarter financial decisions using real data. 7. Home Screen Widget Access your balance and spending tracker directly from your home screen. 8. Bank Statement Scanner (BETA) Import and scan your bank statement to quickly add transactions. Who Is iNuMo For? • Students managing allowance • Professionals tracking monthly expenses • Families planning budgets • Anyone serious about personal finance Why Choose iNuMo? - Offline budget app - Secure & private money manager - Clean and intuitive interface - Lightweight & fast - No unnecessary complexity Take control of your money today with iNuMo – your private budget planner, expense tracker, and personal finance manager. Download now and start building smarter money habits. Terms of Use (EULA): http://www.apple.com/legal/itunes/appstore/dev/stdeula