Moniqa vs Budget Planner

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

Plan your spending before you spend. Organize your budget by category, move budget amounts as priorities change and track savings goals. Keep cards, installments and upcoming bills in view without connecting your bank. Cards and installments Add your cards and credit limits. Track installment purchases, review monthly totals and see statement and payment dates. Set reminders to keep your dates in view. Ctrl Xpenses helps you plan and record payments; it does not make bank payments. A budget for your month Log expenses and income manually, set category budgets and review your spending and remaining amounts. You do not need to share bank login details. From receipt to record Scan a receipt and review the extracted details before saving. Correct the fields or enter the transaction manually. Debt payoff planning Compare snowball and avalanche strategies. Simulate extra payments and review estimated payoff dates and interest. Goals, accounts and net worth Track savings goals and record assets, debts and investments to review your net worth. Work with multiple currencies when needed. Your financial records on your device Log and review transactions offline. No Ctrl Xpenses account or bank connection is required. Use your device's biometric protection when available. No ads or advertising tracking. Start free Start with transaction tracking and tools for budgets, cards and debts. Pro expands the limits for accounts, categories and tags. Ctrl Xpenses Pro Expand your limits and access data export, backup and restore. Choose a monthly plan, annual plan or lifetime purchase. Check the purchase screen for current prices, terms and any trial available to your account. Backups are manual files; there is no automatic sync between devices. Pro purchases, market quotes and exchange rates require an internet connection. Simulations are informational estimates, not financial advice. Purchase, diagnostic and analytics services are described in the privacy policy. TERMS OF USE (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/