Monatskasse vs Topf

How much is left this month? My Budget answers exactly that question – at a glance, every day. No bank connection, no account, no ads. Your data stays with you: on your device and in your iCloud. AT A GLANCE • Your monthly budget as a ring: green while everything’s on track, orange from three quarters, red when you’re over • What you’ve spent, what’s left and your daily average • What’s still coming up this month – rent, subscriptions, insurance • Adjust the budget for single months, like the month of your vacation INSIGHTS THAT MAKE SENSE • Your month day by day next to last month – with a forecast to the end of the month • The history of your months, split into recurring bills and everyday spending • Where your money goes: by category, payment method or merchant – each with its own page and every expense behind it • Tap, or touch and hold and slide: every day and every month shows its numbers LOGGED IN SECONDS • Amount, title, done – the app suggests frequent entries as you type, including category and payment method • Snap a photo of a receipt: the total, date and items are recognized on your device – with an arithmetic check that includes sales tax • Shared a bill? Divide it by the number of people or enter your share – even afterward, for example for Apple Pay • Paid abroad? Log the amount in the local currency – converted at the European Central Bank’s daily rate • With Siri and Shortcuts: “Log an expense in My Budget” • A button in Control Center takes you straight to a new expense AUTOMATIC WITH APPLE PAY Set up an automation in the Shortcuts app once – after that, Apple Pay payments land in My Budget on their own, with amount, merchant and card. To be safe, they go to “To Review” first, because iOS also reports declined payments. One tap confirms, and the app remembers the category and payment method for your next purchase at the same merchant. RECURRING BILLS ON AUTOPILOT Rent, insurance, subscriptions: add them once – daily, weekly, monthly or yearly. My Budget logs them on time and spreads them over the month in your daily average instead of giving you a shock on the first. EXPENSE REPORTS FOR ACCOUNTING Turn on expense reports, collect receipts – a photo, a PDF or an Apple Pay payment – and hand them over with one tap: a PDF with every receipt, a table and the original files. Recurring bills can be business expenses too, like a software subscription for work. Business expenses don’t count toward your budget, because they’re reimbursed. REMINDERS WHEN IT MATTERS • At 80 and 100 percent of your budget • One day before large recurring bills • With a review at the start of each month Nothing more. No ads, no constant pings. ON ALL YOUR DEVICES • Automatic sync between iPhone and iPad through your iCloud • Widgets for your Home Screen and Lock Screen: whether your budget lasts until month-end, what’s left per day and what’s coming up – amounts only if you turn them on • Two columns on iPad and the unfolded iPhone Duo • Dark Mode and large text PRIVATE FROM THE START • No account, no sign-up, no bank credentials • No ads, no tracking, no analytics tools • Receipt recognition entirely on your device • Locked with Face ID if you like • Export at any time: as a spreadsheet or as a full backup My Budget is a personal budget planner. The app doesn’t connect to any bank and never moves money.

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: category, amount, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. TOPF AI Your personal finance assistant. Ask in your own words or by voice: “How much did I spend at cafés this year?”, “Will my money last until payday?” Topf AI finds a transaction, records spending from your words, works out where the money went and shows it as a chart. It helps you set up recurring transactions, budgets and automatic entry and finds forgotten subscriptions. And it takes on any other question or task about your book. AUTOMATIC ENTRY Connect Apple Pay, bank notifications or bank SMS once, and every payment automatically becomes a transaction in your book, with its category and account already chosen. Requires iOS 26, bank notifications iOS 27. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input, receipt scanning and Topf AI require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input, receipt scans and automatic entry, gives you more Topf AI questions, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/