Monibex vs Quartal Finance

Monibex helps you get your finances in order — every day, without unnecessary complexity. You can see your expenses and income, plan your budget, save for goals, and manage a shared family budget. Monibex AI assistant works in the background: analyzes your finances, suggests smarter spending, and helps answer your financial questions. Monobank Integration Connect your Monobank account in seconds Automatic transaction sync — no manual entry needed All your card expenses appear instantly in the app Full picture of your finances in one place Expense and Income Tracking Quick expense entry in seconds Convenient income and expense categories View expenses by day, month, or period Family Budget Shared budgets for couples or families Multiple users in one workspace Transparent expense visibility for everyone Financial Goals and Savings Travel, purchases, car, or financial cushion Track savings progress Understand how much to save monthly Reports and Analytics Visual expense charts Breakdown by categories Understand where your money goes AI Tips and Analysis Expense summaries for periods Identify expenses that "eat up" your budget Recommendations on where to optimize spending Gentle reminders not to exceed budget limits Accounts and Funds Cards, cash, deposits Monobank account sync Multiple accounts in one app Complete financial picture Who Monibex is For Personal finance control Family budgeting Financial goals and savings Monobank users who want automatic expense tracking Those who want a simple app with smart tips Monibex — simple budgeting with smart AI support. No complex tables. No stress. Every day. Note: Some features require a subscription purchase. Subscription plans are available: Personal, Smart, and Family with monthly or annual billing options. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Terms of Use: https://monibex.com/terms-of-service Privacy Policy: https://monibex.com/privacy-policy

Quartal is a smart bookkeeping and tax calculation assistant designed for Ukrainian sole proprietors (FOP Groups 1, 2, and 3). Effortlessly track income, calculate Single Tax, Unified Social Contribution (ESV), and Military Tax without messy spreadsheets. Eliminate manual calculations and currency exchange lookups. Quartal seamlessly connects with your business bank accounts, applies official NBU exchange rates, monitors revenue thresholds, and sends timely deadline reminders so you can focus on growing your business. KEY FEATURES: 1. Secure Bank Sync (Ukraine) Connect your business accounts with Monobank, PrivatBank, PUMB, and A-Bank in UAH, USD, and EUR. Transaction history syncs automatically via official read-only banking APIs. No manual transaction entries required. 2. Accurate Tax Calculations (2026) Automated calculation of Single Tax, Unified Social Contribution (ESV), and Military Tax based on current 2026 tax rates and statutory rules for Groups 1, 2, and 3. 3. Official NBU Currency Conversion Receiving foreign income in USD or EUR? Quartal automatically fetches the official National Bank of Ukraine (NBU) exchange rate on the date of receipt and converts it accurately into UAH for proper tax recordkeeping. 4. Revenue Limit Tracking Monitor your annual revenue threshold in real time. Quartal alerts you in advance when approaching group limits to prevent unexpected taxation transitions. 5. Tax Calendar and Deadlines Never miss a tax payment or filing date. Smart reminders at 14, 7, and 3 days before deadlines protect you from fines and penalties. 6. Invoices and Primary Documents Generate professional invoices, acts of completed work, and waybills in under a minute. Sign documents digitally with electronic signatures (QES / Dubidoc) and export ready-to-send PDF files. 7. Interactive iOS Widgets Keep track of upcoming tax liabilities and group limits directly from your iPhone Home Screen or Lock Screen using native iOS widgets. Security and Privacy (Local-First): - Quartal cannot initiate financial transactions or access your funds. - Financial records are never stored on external servers. All data remains strictly on your iPhone in an encrypted database protected by Face ID, Touch ID, and Apple Keychain. WHO IT IS FOR: Sole proprietors (FOP 1, 2, 3), IT freelancers, software developers, designers, digital marketers, consultants, online merchants, and self-employed professionals. Quartal — stress-free business bookkeeping. DISCLAIMER AND STATUTORY SOURCES: Quartal is an independent software application and is NOT an official representative of, affiliated with, or endorsed by the State Tax Service of Ukraine (STS) or any government authorities. The application is designed solely as a third-party personal accounting utility and tax calculator for self-employed entrepreneurs. Official sources of statutory tax rates and legislative information: - State Tax Service of Ukraine: https://tax.gov.ua - Tax Code of Ukraine (Verkhovna Rada portal): https://zakon.rada.gov.ua Terms of Use: https://quartal.app/terms.html https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://quartal.app/privacy-policy.html