Local Bill Tracker vs Defter

Know your exact "Safe to Spend" balance after every upcoming bill without ever surrendering your bank passwords or personal data. WHY LOCAL BILL TRACKER? Automated finance apps break constantly, scrape your bank credentials, and monetize your private spending habits. Local Bill Tracker is built for private, high-touch budgeting. By confirming your balances and tracking bills yourself, you stay fully connected to your numbers, catch hidden subscriptions, and regain real financial control. THE RUNWAY METHOD Stop guessing what you can actually afford. The Runway view automatically subtracts your scheduled bills and commitments from your current balance, showing you exactly what is safe to spend right now. KEY FEATURES • Real-Time Runway View: Instantly calculate your "Safe to Spend" cash balance across a rolling 30-day window. • 100% On-Device Privacy: No accounts, no trackers, and no external servers. Your data lives on your device and private iCloud. • Adaptive Calibration: Personalize dashboard calculations around your specific pay frequency and safety threshold margins. • Unified Income & Bills: Track paychecks, side-hustles, and recurring obligations in one synchronized timeline. • Tactile OLED Design: Premium high-contrast visual layout optimized for dark mode with satisfying haptic feedback. • Easy Import & Export: Parse bill details from your clipboard to onboard in seconds, or export your full history to JSON anytime. LOCAL BILL TRACKER PRO Unlock advanced financial tools with flexible Monthly, Yearly, or Lifetime options: • 30-Day Cash Runway Graph: Interactive balance projections with customizable safety threshold lines. • Biometric Shield: Lock your financial data behind Face ID or Touch ID. • Digital Receipt Attachments: Attach photos and screenshots of receipts directly to your bill records. Take back control of your financial privacy. Download Local Bill Tracker and see your true runway today! TERMS & PRIVACY • Terms of Use (EULA): https://localbilltracker.app/terms • Privacy Policy: https://localbilltracker.app/privacy-policy

**Defter** (Turkish for "notebook") keeps your financial life on one calm, beautiful page — and opens like one. **Free, forever:** • Track cards and accounts manually — balances, statements, due dates • Apple Card, Apple Cash & Savings sync, fully on-device • Best-card picker: know which card earns the most before you swipe • Custom reward rules + benefits — tiered earn rates, sign-up bonuses, and perks like companion fares, tracked toward their spend thresholds • Favorite, reorder, and sort your cards however you think about them • Statement cycles, payment-due calendar, and smart reminders • Cash flow, net worth history, monthly forecast, missed-rewards insights • Separate ledgers for personal and business — switch with a tap • An on-device AI assistant that answers questions about *your* numbers • Home-screen widgets, Live Activities, and Spotlight search **Defter Pro** adds direct bank connections, so balances and transactions stream in on their own: • Plus — 3 banks • Pro — 10 banks • Ultra — unlimited banks One connection covers every card at that bank. Everything else in Defter stays free — Pro only meters direct connections. **Private by design.** Your transactions live on your iPhone, not our servers. Bank connections are read-only, powered by Teller. Location is used only when you tap "Best card here" and is immediately discarded. No ads, no tracking, no selling data — ever. Subscriptions renew automatically until cancelled in App Store settings. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/