Dispatch vs Home Budget

Type your money. One line at a time. Dispatch is an envelope budget you write like a note. Your balance is not money you can spend: all your money already has a job. Dispatch helps you give it one, then track every expense in a single line. HOW IT WORKS • Fund the month's envelope: "Salary 5000". • Split it into postes (Rent, Groceries, Transport…) until "To dispatch" reaches zero. • Spend in one line: "25 Groceries bread". Amount, poste, note, account, date: in any order. • Built-in maths (4.50*30), dates in plain words (yesterday, monday, 15/10) and autocomplete. ALWAYS KNOW WHERE YOU STAND • Home shows what's left to allocate and what went over. • A banner warns you when a poste is spending too fast. • Adjust your postes mid-month to cover an overspend. • Track a poste live on the Lock Screen and in the Dynamic Island. YOUR ACCOUNTS, AS THEY REALLY ARE • Running and savings accounts, with aliases for faster entry. • Transfers between accounts, fees included. • Expected vs actual balance: spot a forgotten expense instantly. • Attach a refund or a top-up to its expense and see the net cost, receipt photo included. SAVINGS & PROJECTS • Set money aside for a goal and track its progress. • Pin your key projects; use or release savings when you need them. STATISTICS • Am I moving forward? What's taking up room? What's changing? Three questions, clear answers across months. WITH YOU EVERYWHERE • iPhone and iPad, with a list-and-detail layout on iPad. • Apple Watch: log an expense in a few taps. • Widgets for the Home Screen and the watch. • Synced with your own iCloud. YOUR PRIVACY • No Dispatch account, no ads, no tracking. • Your data stays in your iCloud. • Hide your balances and protect them with Face ID; shake to hide everything. • Full backup and restore, attachments included. Works with any currency. In English and French.

See today what you'll have left at the end of the month. No bank login, no ads; your data never leaves your iCloud. Home Budget helps you stay in control of your money, one month at a time. No bank connection required. Home Budget is a budget planning app, not an account aggregator: you enter your real balance, check off your expenses and income, and the app works out what you'll have left at the end of the month, once savings, credit card and payments are accounted for. No banking password to hand over to a third party. Your data stays encrypted in your own iCloud and syncs automatically across your devices. NEW • Balance Forecast: see your balance day by day over the next 30, 60 or 90 days, with a clear "weather" and an alert before you go into the red. Plus how much is free until payday, safety cushion set aside. • What if…: test a raise, a move, a new car or a baby before deciding. Compare with your current budget over 3 to 24 months, then apply the changes in one tap. Share your simulations with your household. • Scan a bill: take a photo or import the PDF; the app reads the provider and amount on your device and creates or updates the recurring expense. • Siri & Shortcuts: add an expense, a card purchase or a bill you just paid by voice, and ask how much is free until payday or what's left at month end. • My year: every December, relive your year in a few animated pages and share it, in percentages only. WHAT YOU CAN DO • A clear dashboard: current balance, end-of-month forecast, fixed expenses, savings, credit card and income at a glance. • Widgets: your balance, what's left at month end, your next payments, your savings goals and the Balance Forecast, on the Home Screen and the Lock Screen. • My goals: several savings goals with an amount and a date. The app calculates the monthly contribution and warns you if a goal would push your month into the red. • Coach: a private budgeting coach that analyzes your spending and gives specific tips over 1 or 3 months. Runs entirely on your device, powered by Apple Intelligence on compatible devices. • Recurring expenses and income: enter them once, they repeat in the coming months. Well-known providers (Bell, Rogers, Netflix, Spotify and many more) in one tap. • Salary: weekly, every two weeks (24 or 26 pays) or monthly. • CSV statement import: Mastercard/Visa or checking account, sorted by category with Apple Intelligence on compatible devices. • Face ID / Touch ID: lock the app on launch or as soon as it goes to the background. • Household budget: share a common budget with the people you live with through iCloud, while your personal budget stays private. You choose what's shared and whether members can edit everything or only check items off. • Month recap: share an image of last month's results, in percentages only, never your real amounts. • iPhone, iPad, iPhone Duo and Mac: screens adapt to large displays; on Mac, sidebar, menus, keyboard shortcuts and widgets. One subscription for all your devices. • 7 languages, with your local currency and format. PRIVACY No ads. No tracking. No selling your data. No bank connection. The Coach and bill scanning run on your device. Everything stays between your device and your personal iCloud. SUBSCRIPTION Try it free for 7 days. After that, a monthly or yearly subscription unlocks full access. Cancel anytime from your App Store settings. Standard Apple EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/