Budget & Subscriptions Kirum vs Tesoro

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.

Tesoro is a personal expense tracker built around one idea: tracking your money should feel simple, fast, and genuinely yours — not another dashboard that tries to run your financial life for you. TYPE IT, DON'T DIG FOR IT Add an expense the way you'd send a text: "Pizza at Domino's, 22.50." Tesoro's AI reads it, picks the right category, and it's done. No menus to dig through, no manual folder-filing. NO BANK LOGIN REQUIRED Tesoro never asks for your online banking credentials. Log expenses manually, snap a photo of a receipt, or import a PDF/CSV bank statement when it's convenient — you're always in control of what gets tracked and when. SMART, NOT NOISY DUPLICATE DETECTION Logged a coffee by hand, then imported the statement that includes it? Tesoro catches the overlap automatically so nothing gets double- counted — without falsely flagging two different cards' purchases as the same thing. BUDGETS THAT ACTUALLY FIT YOUR MONTH Set a budget once, or adjust it month to month as real life happens. Watch it update in real time as you spend, with a clear read on where you stand. YOUR MONTHLY RECAP At the end of each month, Tesoro turns your spending into a short, personal, shareable story: your top category, your biggest purchase, your longest no-spend streak, and a spending "personality" generated just for you. It's the one part of budgeting people actually look forward to. PRIVATE BY DESIGN - No ads. No trackers. No third-party analytics SDKs. - We will never sell your financial data — full stop. - Sign in with Apple or Google; delete your account and every byte of your data anytime, directly in the app, no email required. - Face ID/Touch ID app lock is handled entirely by iOS — Tesoro never sees your biometric data. BUILT FOR REAL SPENDING, NOT A SPREADSHEET TEMPLATE 18 categories covering real personal spending (from Groceries and Rent to Subscriptions and Pets), with a dedicated Money Transfers category so e-transfers and credit card bill payments never get double-counted as spending. COMING SOON: OPTIONAL BANK SYNC We're building an optional way to sync transactions automatically — strictly opt-in, read-only, and never able to move money or make a payment. Manual entry, receipt scanning, and statement import will keep working exactly as they do today, forever, whether or not you ever turn bank sync on. ALWAYS YOUR CALL Every feature in Tesoro is something you choose to use, not something forced on you. Nothing runs in the background without your say-so, nothing changes your data without a tap you made yourself. Easy to open, easy to understand, easy to close — no scrolling through settings just to figure out what's going on. Tesoro is an organizational tool, not financial advice — it's built to show you clearly where your money is going, so you can decide what to do about it.