Budget & Subscriptions Kirum vs PointStax

Income and expenses - the tracker you'll actually keep using. Each logged in under 10 seconds - no bank login, no account, no one selling your data. MOST TRACKERS FAIL IN WEEK ONE Not this one. The coffee, the taxi, the spontaneous lunch - each logged in under 10 seconds, straight from your Lock Screen, Control Center or the Action Button. Amount, title, category, done. Optional reminders keep the habit on track. Fast enough that you actually keep doing it, which is the only way tracking ever sticks. NOT JUST EXPENSES. INCOME TOO. Kirum now captures what comes in - salary, investments, gifts and more, with their own categories and just as fast as an expense. Everything in one place, so you see what comes in, what goes out, and what's left. PAY WITH APPLE PAY. SKIP THE TYPING. Buy something with Apple Pay and Kirum records the amount, merchant, and currency for you. The expense is logged before you've put your phone away. SEE THE PATTERN, NOT JUST THE TOTAL Category breakdowns by week, month or year, for expenses and income alike. Kirum surfaces the categories quietly creeping up - the slow drift a bank statement will never point out. Search and filter your full history to find any entry in seconds. SUBSCRIPTIONS AND STEADY INCOME, IN ONE PLACE Kirum keeps every subscription and fixed cost in plain sight, so the small monthly charges stop adding up in the dark - and steady income like your salary belongs here too. If you want, Kirum reminds you before the next charge. SPEND ABROAD WITHOUT THE MATH Pay in over 60 currencies and Kirum converts each expense back to your home currency. Whether you travel often, live abroad, or just buy from overseas - Kirum keeps track for you. PRIVATE BY DESIGN, NOT BY PROMISE Other apps ask you to trust them. Kirum removes the need. No account. No bank connections. No ad tracking, no data brokers, no profiling. Your expenses and income stay on your device and sync through your private iCloud. Kirum never sees a single amount. SWITCHING TAKES MINUTES Already tracking somewhere else? Import your full history with CSV and pick up where you left off - synced across your iPhone and iPad. Log your first expense. See what comes in, what goes out, and what's left.

PointStax helps you choose which of your credit cards to use at a merchant. Tap a business on the map to compare your cards and see the reward rates behind each recommendation. Add the cards you already carry without linking a bank account or sharing banking credentials. YOUR CARDS, PERSONALIZED • Build your wallet from our supported card catalog. • Set eligible rewards tiers, membership status, and selectable categories or retailers for supported cards. • Update these choices whenever your qualification changes. Settings are self-reported; PointStax does not track transactions or spending-cap usage. HELP AT THE REGISTER • Find nearby restaurants, grocery stores, gas stations, and other merchants. • Compare your cards for a merchant and explore their rewards and perks. • Ask the concierge questions by typing or speaking. OPTIONAL NEARBY REMINDERS Enable nearby reminders to receive a notification with up to three of your cards when you arrive near a monitored merchant. Tap the notification to open its recommendations. Reminders require notification and background-location permission. Settings shows reminder status and offers a test notification to help check notification delivery. You can turn reminders off at any time. PRIVATE BY DESIGN PointStax does not connect to your bank or read your transactions. Location helps find nearby merchants; background location is used for nearby reminders only if you enable them. You can delete your account from Settings. SUBSCRIPTION REQUIRED PointStax Pro is an auto-renewing monthly subscription required for wallet tools, merchant recommendations, and Ask AI. The US price is $3.99 per month; the app displays your local price. Eligible new subscribers receive a seven-day free trial, followed by the monthly subscription price. The subscription renews automatically unless canceled at least 24 hours before the current period ends. Manage or cancel in your Apple account subscription settings. Deleting your PointStax account does not cancel your Apple subscription. Privacy Policy: https://pointstax.ai/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Service Terms: https://pointstax.ai/terms