Balans vs Sejf

Most finance apps track where your money goes. Balans shows where your finances are going. No transactions to categorize. No daily budgeting. Simply update your balances once a month and see how your financial life develops over time. See your assets, debts and net worth in one place. Follow your progress, spot long-term trends and answer the question that really matters: Am I better off than I was a year ago? Your finances. Once a month. Add your savings, investments, property, other assets and debts. Update their balances when you want — once a month is enough to build a meaningful history. Balans gives you: • Net worth over time • A clear overview of assets and debts • Balans Score – a simple measure of your financial position • Long-term trends and progress • Wealth goals with Balans Plus • Fixed assets with automatic depreciation • No bank connection required Balans is for people who already know where their money goes — and want to know where their finances are going. Less tracking. More perspective.

Track your net worth over time - so you always know where you stand financially. Add your assets and liabilities, record monthly snapshots, and watch your wealth grow. Built for long-term investors who want clarity, not complexity. TRACK EVERYTHING • Cash and bank accounts • Real estate • Stocks, ETFs, bonds, and retirement accounts • Cryptocurrencies • Precious metals • Custom assets • Liabilities including mortgages, loans, and credit cards • Multi-currency support with live exchange rates • Connect ticker symbols for automatic market price updates SEE YOUR PROGRESS Record monthly snapshots and build a picture of your financial journey. The history chart shows your net worth over time, helping you understand long-term trends and measure your progress. CAGR (Compound Annual Growth Rate) shows how quickly your wealth is growing, giving you a clear view of your long-term performance. PLAN FOR THE FUTURE • Goals - set a target net worth and track your projected arrival date • FIRE Number - calculate how much you need to retire based on your annual expenses and withdrawal rate YOUR DATA, YOUR CONTROL • Offline-first - no account required • iCloud sync across your Apple devices • Face ID and Touch ID protection • Export your data to CSV or JSON • No subscriptions Sejf helps you stay focused on what matters most: understanding your finances, building wealth, and achieving your long-term goals.