Pibo Money vs PayNote

Pibo Money is the AI-powered personal finance app that makes budgeting and expense tracking effortless. Type what you spent, ask about your balances, or create a budget — Pibo handles the rest. PLAIN LANGUAGE, NO FORMS "I spent $45 at the grocery store." Done — Pibo logs it. "How much did I spend on dining this month?" Pibo answers instantly. "Set a $500 budget for groceries." Created. No forms, no menus, no friction — just plain language. Every change Pibo suggests appears as a review card first. You confirm or skip — your data is never modified without your approval. YOUR COMPLETE FINANCIAL PICTURE Open the app to a beautiful, real-time dashboard showing account balances, daily spending, monthly income and cash flow, budget status, savings progress, and net worth — all on one screen. Nudge banners alert you to overspending, upcoming bills, or savings milestones. ONE CALM MONEY HUB Accounts, budgets, debt, and goals live together in one Financials manager — each with its own focused workspace, so you always know where you stand at a glance. SMART BUDGETS THAT WORK Create weekly, monthly, yearly, or custom-period budgets by category. See exactly what is left, and what each category costs, in real time. The dashboard alerts you the moment a category goes over, and Pibo celebrates your streaks when you stay on track. SAVINGS GOALS WITH VISUAL PROGRESS Turn any dream into a plan. Choose from 8 goal types — Emergency Fund, Vacation, Home, Education, and more. Watch progress rings fill as you contribute. Each contribution is a real transaction that keeps your account balances accurate automatically. DEBT TRACKING & PAYOFF SIMULATOR Track loans and credit cards with interest rates, minimum payments, and due dates. Use the interactive payoff simulator to see exactly when you'll be debt-free — and how much interest you save by paying more. Payments are logged as real transactions so your net worth stays accurate. SNAP RECEIPTS, SKIP THE TYPING Scan a receipt with your camera — Pibo reads it, extracts the merchant, amount, date, and line items, then pre-fills a transaction for your review. Detectable personal information is filtered before AI processing; the original image is not sent. POWERFUL REPORTS & INSIGHTS Generate 6 report types — Spending, Net Worth, Monthly Summary, Budget Performance, Tax Summary, and Transaction Export — as PDFs or Excel-ready CSVs. Review financial health metrics across accounts, budgets, savings, debt and analytics. All reports are generated offline from your local data. SMART REMINDERS Pibo helps you stay on top of your finances. Next Best Action surfaces the entries and reviews waiting on you, ordered by impact. Reminders alert you to upcoming bills, flag unusual spending, and celebrate budget streaks. BANK-GRADE PRIVACY Your financial data is stored locally on your device, protected by multiple layers of security: • iOS App Sandbox isolation • Hardware AES-256 encryption (data inaccessible when locked) • Keychain-protected credentials (hardware-bound, non-exportable) • Passphrase-encrypted backups only you can unlock AI features are completely opt-in. Revoke consent anytime from Settings. No account data is ever stored on our servers. DESIGNED FOR YOU • 5 languages — English, Vietnamese, Spanish, Japanese & Simplified Chinese • One currency for the whole app — USD, EUR, GBP, JPY, CNY, VND and more • Dark mode and light mode • Recurring transaction management • Account-to-account transfers • Direct balance adjustments for bank reconciliation • Encrypted backup & restore, with Restore Purchases support • Onboarding wizard with a suggested starting budget you can edit Pibo Money is a budget and transaction tracker — not a financial advisor. It does not provide financial, investment, or tax advice. Download Pibo Money and take control of your budget — one conversation at a time. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Tap. Pick. Done. PayNote is a personal expense book that stays on your phone. Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading, for the right amount. A few seconds, and nothing is required except the amount. Nothing to remember and enter tonight. No spreadsheet to open. EVERYTHING STAYS ON YOUR PHONE PayNote works fully offline. No sign-up, no login, no account, no server holding your spending history. It never asks to read your messages, never reads bank notifications, and is connected to no bank or e-wallet — so nobody, us included, can see your account. To move to a new phone or keep a spare copy, export a backup file to iCloud Drive or anywhere you like. The file is encrypted and can carry a password, so a copy that ends up in someone else's hands is unreadable. QUICK ENTRY • Add income and Add expense right on the home screen and on the home-screen widget • A dedicated number keypad with a 000 key, built for one thumb • 15 default categories with icons; rename them, change the icon, add your own • Made a mistake? Edit the entry — the app keeps a history of the change • A daily reminder at the time you choose, scheduled entirely on the phone AN EXPENSE BOOK THAT STAYS SIMPLE • The home screen shows this month's income, spending and balance, with recent entries • Monthly statistics: spending by category, income against spending, one tap to switch months • Spending limits for the month and for each category, with a warning before you go over • Several wallets — cash, bank, e-wallet — each with its own balance • 20 currencies: VND, USD, JPY, EUR… one per wallet, switched right on the home screen • Search your history, accent-insensitive • Vietnamese, English and Japanese interface, amounts formatted the way each language reads them BASIC AND PRO PayNote has no ads, in the free version and the paid one alike. Basic is free and is a complete expense book: unlimited entries, categories, history, monthly statistics, budgets including per-category limits, the widget, the daily reminder, 2 wallets, and CSV export that opens in Numbers or Excel. PayNote PRO is a one-time purchase, yours forever — not a subscription, nothing auto-renews. PRO adds unlimited wallets so cash and each bank keep their own balance, month-on-month and six-month trend reports, password-protected encrypted backup and full restore, and categorisation that learns from what you log. A 7-day trial is included, no card required.