Trudget vs CanPay Insights

Trudget is a thoughtful, private budget and spending tracker for iPhone and iPad. Understand where your money goes, make a practical plan, and follow your progress without connecting a bank account or sending your financial history to a server. SEE THE WHOLE PICTURE Review income, spending, cash flow, and savings rate from a clear dashboard. Choose a week, month, quarter, year, custom range, or all-time view, then compare results with the previous period. CAPTURE RECEIPTS, PRIVATELY Scan a paper receipt or choose photos from your library. Trudget recognizes the merchant, date, total, and line items on device, lets you review everything, and keeps the original receipt with its transaction. Nothing is uploaded for recognition. PLAN A BUDGET THAT FITS Create a flexible category budget, see how much has been spent, and quickly identify what remains or has gone over plan. Open any category to explore its trends and contributing transactions. BUILD SAVINGS GOALS Connect goals to the accounts funding them, record allocations, and follow progress over time. KEEP ACTIVITY ORGANIZED Add expenses, income, and linked transfers with fast everyday entry. Search, filter, group, and bulk-edit your history. Create recurring transactions and receive optional reminders before they are due. UNDERSTAND EVERY ACCOUNT Track chequing, savings, credit cards, cash, and other accounts in one place. Review account history, make balance adjustments, and reconcile credit-card statements against your ledger. MAKE TRUDGET YOURS Choose an optional theme and matching Home Screen icon. Supporter membership offers access to every current and future appearance plus exclusive icons. Purchases are cosmetic: every budgeting tool remains available without paying. MOVE BEYOND THE SPREADSHEET Import UTF-8 CSV files with guided account and category mapping. Export your ledger whenever you want a portable copy or spreadsheet-ready backup. PRIVATE BY DESIGN Your budgeting data and receipt images stay on your device. Trudget has no account registration, advertising, analytics SDK, or bank connection. StoreKit purchases are handled by Apple. Trudget supports light and dark appearance, iPhone and iPad layouts, Dynamic Type, VoiceOver, Reduce Motion, and optional haptic feedback. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

CanPay Insights shows what a Canadian paycheque is actually worth after federal tax, provincial tax, CPP/CPP2 (QPP/QPIP in Quebec) and EI — for 2026, in every province and territory. WHAT IT DOES • Annual salary, hourly wage, or a full timesheet with shifts, breaks, overtime and premiums • Every pay frequency: weekly, biweekly, semi-monthly, monthly • RRSP contributions, union dues and other deductions, handled the way the CRA does • Ontario Health Premium, Ontario and BC tax reductions, the federal basic personal amount phase-out — the items that are withheld at source, so the number matches your real cheque • Compare provinces side by side before a move or a job offer • Save calculations and see how your pay changed over time (optional sign-in with Apple or Google) HOW IT IS BUILT The app runs the same open rules engine as canpayinsights.ca, verified against the CRA's payroll deduction formulas (T4127) for the current year. Every figure traces to a published rate; nothing is estimated. PRIVACY No account is required. No ads. No IP address or precise location is ever stored. Anonymous usage counts use income brackets, never exact salaries. Available in English, French, Simplified Chinese, Punjabi, Hindi, Tagalog, Spanish, Ukrainian, Korean and Vietnamese. Estimates for a single employee with standard credits. Your employer's payroll and your tax return may differ.