Toki vs Sprig Money

Take control of your money without sacrificing your lifestyle. Toki is the ultimate tool for those seeking financial clarity that is fast, simple, and commitment-free. Based on the highly effective 50/30/20 method, Toki takes the boredom out of budgeting. Why is Toki different? • Lightning-Fast Logging: Time is money. Log your expenses and income in just a few taps—no endless menus or confusing screens. • Smart Goals: Want to upgrade your camera gear or plan your next mountain expedition? Create a goal, and Toki will calculate the exact monthly contribution to fit your budget stress-free. • Automatic 50/30/20 Method: Know exactly where your money goes. Toki intelligently divides your finances into Needs, Wants, and Savings. • Subscription Manager: Say goodbye to surprise charges. Visualize all your recurring payments and take full control of your monthly bills. • Pay Once, Own Forever: Forget about monthly subscriptions. Toki is yours for a one-time lifetime payment. No hidden fees, no fine print. Download Toki today and transform your relationship with money.

Get paid. Enter the number. Sprig splits it before you have time to talk yourself out of saving any of it. No budgeting app to maintain. No transactions to categorize. No bank account to link. Sprig does one thing: the moment your paycheck lands, it divides that amount into four buckets using a simple percentage rule, so the decision is already made before you open your other apps. HOW IT WORKS Pick a rule. Default is 20/10/60/10 — Growth, Stability, Essentials, Enjoyment. Prefer 50/30/20 or 70/20/10? They're built in. Or set your own percentages and make it yours. Enter your paycheck. Type the number. See four amounts instantly. Save it. Done in seconds, not sessions. Working two jobs? Add another check and Sprig splits the combined total the same way. FOUR SCREENS, FOUR JOBS Split — Enter what you were paid. See exactly what goes to Growth, Stability, Essentials, and Enjoyment. Save the paycheck and move on with your day. Grow — Watch what your Growth bucket becomes over time. Scrub out to any horizon and see money put in versus interest earned, side by side. It's a projection, not a promise. Fit — Tell Sprig your real monthly bills. It checks them against what your rule allots for essentials and gives you a plain answer: it fits, or it's tight. No spreadsheet required. History — Every payday you've saved, stacked in one place. Watch the total climb, check by check. WHO THIS IS FOR You get paid weekly or biweekly. You don't want to learn a budgeting system, track every purchase, or link your bank account to an app. You want the decision made in the time it takes to read a text message, then you want to get on with your life. That's what Sprig does — nothing more, nothing less. PRIVATE BY DESIGN Everything lives on your device. No account. No sign-up. No bank linking. No transaction import. Your paycheck numbers never leave your phone. Sprig is free to use, with ads. A one-time purchase removes them for good — no subscription. A NOTE ON THE NUMBERS Grow shows estimates based on the rate and contributions you enter. Real returns vary and aren't guaranteed. Nothing in this app is financial advice — it's a rough picture of what steady saving can look like over time, so you can decide what to do next. Get paid. Open Sprig. Split it. Get back to your life.