Moniqa vs CashEnvelope

Moniqa is the calm, private way to keep track of your money. Log an expense in seconds, see what's left of your budget at a glance, and stay on top of the month - without linking a bank or creating an account. Everything stays on your iPhone. No accounts, no servers, no ads. KNOW WHERE YOU STAND • See what's left to spend today, this week and this month • Bills and big one-offs like rent are kept out of your daily budget, so it stays realistic • Budget alerts at 80% and 100%, so nothing sneaks up on you • Track income and savings goals alongside your spending LOG IT IN SECONDS • Scan a receipt, and Moniqa fills in the amount, store, date, and category — read on your iPhone, never uploaded • Moniqa remembers the category you pick for each store • "Hey Siri, log Coffee in Moniqa" — add expenses hands-free, or from the Action Button • Home Screen and Lock Screen widgets show what's left and add an expense in one tap SEE THE BIGGER PICTURE • Month-end forecast: see where your spending is heading before the month is over • Charts by category and over time, a money health score, and savings insights • Recurring rent, salary, and subscriptions added for you on time PRIVATE BY DESIGN • No sign-up, no bank linking, no tracking • Lock Moniqa with Face ID and hide your numbers in the app switcher • Back up to Files or iCloud Drive and restore whenever you like • Export everything to CSV MAKE IT YOURS • Beautiful light and dark themes, built for iOS • Custom categories with your own emoji • Works in your currency, with dates read the way your region writes them MONIQA PRO Unlock receipt scanning, the month-end forecast, recurring transactions, category budgets, insights, premium themes, and CSV export. Choose monthly or yearly — with a free trial — or pay once for life. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings › Apple Account › Subscriptions. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://adkylabs.xyz/moniqa/privacy

Digital envelopes, kitchen-table simple. CashEnvelope brings the classic cash-stuffing method to your iPhone — no bank link, no account, no analytics. Stuff your paycheck into envelopes for Rent, Groceries, Fun, and Savings, watch the liquid fill bars tick down as you spend, and stay in control of every dollar. WHAT YOU CAN DO: • Envelope Wall — every envelope on one screen with live liquid-fill cards (green on track, amber near limit, red over budget) • Add Transactions — log spending in two taps, see the wall update instantly • Pace Forecast — projects each envelope's end-of-month landing before you actually overspend • Roll-Over Behavior — choose roll, reset, or bank-to-savings at month end, per envelope or globally • Monthly Overview — pie chart of where your money went, plus trend lines • CSV Export — every envelope and every transaction in one shareable file • Auto-Allocate Paycheck — define a paycheck template once, tap "Receive Paycheck", and watch every envelope fill automatically by % or fixed amount • Daily Reminder — gentle local notification to log yesterday's spending • Local Currency — formats automatically to your device locale WHY CASHENVELOPE IS DIFFERENT: The big envelope-budgeting apps (YNAB, Goodbudget, EveryDollar, Mvelopes) all want $10–$18 a month, a login, and a bank connection through Plaid. Reddit and the App Store are full of "Plaid disconnected again" complaints and "lost my data when my subscription lapsed" reviews. CashEnvelope skips all of that. No email signup. No bank link. No cloud sync. Your envelopes live on your iPhone, in SwiftData, and nowhere else. If you cancel, your data stays. If you go offline, the app works. If you want privacy, you have it. CASHENVELOPE PREMIUM — $2.99/month (7-day free trial): • Roll-Over Behavior (roll, reset, or bank to savings) • Smart Forecast Alerts with tunable warning + critical thresholds • Monthly Overview pie chart + trends • One-CSV Export (envelopes + transactions) • Auto-Allocate Paycheck (one-tap distribute by % or $) • Ad-Free Free forever: unlimited envelopes, unlimited transactions, live fill bars, daily reminders. We don't gate the basics. PERFECT FOR: Couples and roommates splitting expenses, parents teaching the envelope method to teens, freelancers tracking variable income, anyone tired of bank-link apps breaking every other week, and the cash-stuffing community looking for a private digital companion. Privacy: CashEnvelope stores everything on your device. No account. No bank link. No personal data leaves your iPhone except the standard StoreKit purchase receipt and AdMob ad requests (free tier). See our Privacy Policy below for full disclosure. Auto-renews monthly. Cancel anytime in your Apple ID Subscriptions settings. Any unused portion of the free trial is forfeited when you purchase a subscription. --- Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://tabishhassan5121472.github.io/privacy-policy.html