Moniqa vs Penny Pilot

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

Some apps need to know everything about you before they can help with anything. Penny Pilot doesn’t. Most people don't need another app tracking them to understand their money better. They need one that just shows them the truth, quietly, without asking for anything in return. That's what this is! No account to create. No bank to link. No server sitting between you and your own money. Every transaction, every wallet, every budget you set up stays right there on your device, and it stays there because that was the whole point from the start. We didn't bolt privacy onto an existing app. We built the app around it. Set a limit and hold yourself to it. Pull up your full spending history whenever curiosity strikes or ask the on-device Apple Intelligence to summarize your spendings and give you insights. That's the whole app, and it's fast enough that you'll actually use it. What you get for free: • Real privacy. No cloud, no account, no one watching. Lock things down with Face ID, Touch ID, or a passcode. • No ads. Not one. Not ever! • As many transactions as you want, each one able to carry notes, a photo and even a location if you want the full picture. • Up to two wallets in your default currency, whenever you're ready to set them up. • A clear and complete monthly breakdown of where your money actually went. • A heads up before your card expires, so you're never caught off guard. When you're ready for more, there's Penny Pilot Pro: Everything above, plus the tools for people who want to go deeper. • Apple Intelligence summaries that quietly turn your transactions into insights, generated privately, right on your phone. • Multi-currency support, so wallets in different currencies live comfortably side by side. • Budgets with real limits and real-time tracking, so staying on target actually feels manageable. • As many wallets as you need, each one customizable with it’s own colors and designs. • Yearly statistics, so you can pull up any year and see the whole story, not just one month at a time. Try Penny Pilot Pro free for 7 days. No pressure, just see if it fits how you actually manage money. Terms of Use: https://www.getpennypilot.app/terms.html Privacy Policy: https://www.getpennypilot.app/privacy.html Contact Us: support@getpennypilot.app