Penko Expense Tracker vs Horyzon

Take Control of Your Finances - Simple, Private, Ad-Free Penko is a powerful yet simple expense tracking app designed with your privacy in mind. No ads, no tracking, no cloud storage - just pure functionality to help you manage your money better. KEY FEATURES Smart Analysis - Visual charts and graphs to understand your spending patterns - Monthly and daily progress rings - Category-based spending breakdown - Compare current spending with previous months - Overview of this month against your income, what is left, and a 12-month forecast Flexible Expense Tracking - Quick expense entry with custom categories - 40+ currencies with exchange rates - Recurring expenses (daily, weekly, monthly, weekdays) - type how many times it repeats and the end date is worked out for you - One-time and recurring expense tracking - Detailed expense history with search and filtering - Optional daily reminder, only on days you have not logged anything Calendar View - Interactive monthly calendar - Daily expense visualization - Week-by-week spending history - Easy date navigation Categories and Organization - Create custom categories and subcategories - Visual category distribution charts - Detailed category analysis - Smart categorization with color coding Financial Planning - Set daily and monthly spending limits - Create financial goals and plans - Track progress towards your goals - Budget management tools - Project future savings with interest calculations Privacy First - All data stored locally on your device - No data collection or tracking - No account required - Backup & restore to a single file you control - no server involved - No advertisements Customization - Dark and light themes - Available in 10 languages - Customizable categories with colors - Flexible date ranges for analysis - Personalized budget limits Insights and Analytics - Monthly spending trends - Category comparison - Daily vs monthly averages - Visual progress indicators - Detailed expense reports WHY CHOOSE PENKO? - 100% Free: All features unlocked, no premium version - No Ads: Clean, distraction-free interface - Privacy Focused: Your data never leaves your device - No Internet Required: Works completely offline - Modern Design: Beautiful iOS-native interface PERFECT FOR: - Students managing budgets - Families tracking household expenses - Anyone wanting financial clarity - Privacy-conscious users - People who prefer offline apps SUPPORT THE DEVELOPER This app is completely free with no ads. If you find it useful, you can support development through optional in-app donations (buy me a coffee or tea). YOUR PRIVACY MATTERS Unlike other expense trackers, we don't collect any data. No analytics, no tracking, no cloud sync. Your financial information is yours alone, stored only on your device. FEEDBACK AND SUPPORT We're committed to making this the best expense tracker for you. Have suggestions or found a bug? Contact us - we listen to our users! Download now and start taking control of your finances today!

Horyzon is a smart portfolio tracker built on conviction and simplicity. Track stocks, ETFs, crypto, commodities and cash, then write the thesis behind each position. Set a financial goal, watch your journey unfold, and get AI insights that actually reference your reasoning. INVEST WITH INTENTION Most trackers stop at the numbers. Horyzon tracks your reasoning too, organized around three pillars: Present: Write a Thesis for each position. Why do you own this? What would change your mind? How does it connect to your goal? Your conviction, saved alongside your holdings. Past: Your Investment Journey automatically captures milestones, streaks, and turning points as you invest. See your timeline grow with every decision. Future: Set an Investment Horyzon. Pick a financial goal like retirement, a home, education, freedom, or anything else. Set a target amount and date, then watch your progress unfold. TRACK EVERYTHING. EVERYWHERE. Build your portfolio manually with full control. Add stocks, ETFs, Turkish investment funds, cryptocurrencies, commodities like gold and silver, and cash holdings, all in one place. Track your cost basis, profit and loss, daily performance, and allocation breakdowns at a glance. Horyzon covers major markets including NYSE, NASDAQ, London Stock Exchange, XETRA, Borsa Istanbul, BMV Mexico, B3/Bovespa Brazil, and the Toronto Stock Exchange. Add thousands of global cryptocurrencies and commodities. Multi-currency support reflects your real-world positions, no matter where you invest. SMARTER INSIGHTS, POWERED BY AI Horyzon Pro puts an AI analyst in your pocket, one that actually knows your portfolio and your reasoning. Get a health score, diversification analysis, risk assessment, and actionable recommendations generated for your specific holdings and theses. The AI reads your theses and references your own reasoning in its analysis. Spot concentration risks before they become problems. And when you have questions, just ask. Horyzon's AI assistant answers in plain language. BUILT FOR THE PLATFORM YOU LOVE Horyzon is built for iOS from the ground up, with Home Screen and Lock Screen widgets, native gestures, and a distinctive glassmorphic design. Check your portfolio value and goal progress without opening the app. Your data stays on your device. No account required to get started. No personal information collected. No ads. Just you, your portfolio, and the reasoning behind it. EVERYTHING YOU NEED · Stocks, ETFs, crypto, commodities, and cash · Cost basis, P/L, and daily performance tracking · Multi-currency portfolio support · Investment thesis for every holding · Investment journey with milestone tracking · Financial goal setting and progress tracking · Earnings and dividend history with EPS estimates · Turkish investment fund tracking with TEFAS data · Company press releases in the asset detail screen · Performance attribution: see what's driving your gains · Portfolio sharing · Home Screen and Lock Screen widgets · AI portfolio analysis referencing your theses (Pro) · AI assistant for portfolio questions (Pro) · Glassmorphic design with dark mode START FREE. UPGRADE WHEN YOU'RE READY. Portfolio tracking, thesis writing, goal setting, and market data are completely free. When you're ready for AI-powered insights that understand your reasoning, Horyzon Pro is available as a monthly or yearly subscription. Terms of Use: https://horyzonapp.com/#tos Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://horyzonapp.com/#privacy