Kesef vs Ruki Portfolio

Expense tracker and budget planner: your Apple Pay payments log themselves. Track your spending, split bills with your group and log expenses with your voice, in 150+ currencies worldwide. Free, fast and effortless. Kesef is a simple yet powerful expense tracker and personal finance app: log expenses and income, set budgets by category, keep an eye on your subscriptions and see where your money goes, even if you use more than one currency. Customize the app your way! EXPENSES THAT LOG THEMSELVES • Apple Pay: pay in a store with your iPhone and the expense is logged, with amount and merchant. Set it up once with Shortcuts (iOS 17 or later). • Mercado Pago: connect your account and your QR payments, purchases and transfers come in on their own, with their category. Read-only: Kesef can't move your money. Available in Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay. VOICE, SHORTCUTS AND WIDGETS • Say everything you spent today in one go and Kesef understands you and sorts each expense into its category, like magic. • Log an expense with Siri, Shortcuts, the Action button or a double tap on the back of your iPhone, without opening the app. • Widgets, tags and daily streaks to keep the habit going. CHAT WITH YOUR DATA Ask Kesef where you spent the most or how you can save, and get the answer with your own numbers. GROUPS AND SHARED EXPENSES Split the rent, a trip or a dinner and always know who owes whom. • Equally, by percentage, by shares or by exact amounts • Add people who don't have Kesef yet and invite them later with a link or code • Kesef simplifies debts into the fewest possible transfers • Only your share counts as your expense Groups are optional and free for everyone. Split expenses with your partner, friends, or anyone you want! INSTALLMENTS, RECURRING AND SUBSCRIPTIONS • Installment purchases: log them once and Kesef places each payment in its month. • Rent, utilities, subscriptions and your salary are created automatically every month. MULTI-CURRENCY Log in 150+ currencies with automatic conversion to your main currency. Ideal for travel or if you earn in one currency and spend in another. BUDGETS AND STATS Set a budget per category and follow your progress in real time. See your monthly spending in clear charts and compare periods. With Pro: detailed insights and an end-of-month balance forecast. PRIVACY AND SECURITY • Your transactions are stored on your phone and you can log expenses offline. • No account needed to start. The account is optional and free: use it to sync devices, join groups and connect Mercado Pago. • We never ask for your bank or Mercado Pago password. • Face ID lock. • The free version includes ads; Kesef Pro removes them. EXPORT AND IMPORT Import your history from another app with an Excel file and export your transactions to CSV, JSON or Excel. IN YOUR LANGUAGE Native iOS design with light and dark mode, in 50+ languages. Optional daily reminder so you never forget to log. PERFECT FOR - Anyone who wants to track spending without the hassle - Roommates, couples and friends who split expenses - People who handle several currencies (USD, EUR, GBP, MXN and more) - Travelers, freelancers and digital nomads KESEF PRO Adds automatic Apple Pay and Mercado Pago, unlimited voice entry, unlimited tags and budgets, detailed insights, Excel export and no ads. SUBSCRIPTIONS Kesef is free to use and offers auto-renewable subscriptions (Kesef Pro) with advanced features. • Payment will be charged to your Apple Account at confirmation of purchase • The subscription renews automatically unless it is canceled at least 24 hours before the end of the current period • You can manage or cancel your subscription in your Apple Account settings Privacy Policy: https://www.getkesef.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

How much have your investments actually made you? Ruki works it out: the dividends you collected, the exchange rate of every purchase and what you've already sold. All your brokers in a single portfolio — without connecting any of them, and without handing your passwords to anyone. Ruki doesn't trade for you, doesn't connect to your broker and doesn't tell you what to buy or when to sell. It does one thing: work out exactly how your money performed. WHAT IT DOES • Everything in one portfolio: stocks, CEDEARs, ADRs, bonds, corporate bonds (ONs), LECAPs, financial trusts, mutual funds (FCIs), fixed-term deposits, cauciones and crypto. From all your brokers, across the Argentine, US and European markets. • Set it up in a minute: import the Excel file you download from several Argentine brokers, or your own spreadsheet, and load your whole portfolio at once. Or forward the email your broker sends to confirm each trade, and Ruki builds it for you to review. • Returns at every level: your whole portfolio, what you hold today, what you've already sold, each ticker, each individual purchase and any goals you create. With gain/loss, return and annualized rate. • Valued in hard currency: in dollars or euros. Measuring in pesos distorts the picture — a result that looks huge can actually be a loss. • Prices update on their own: your assets' quotes and the exchange rates refresh every day. Prefer to do it yourself? Set any price by hand, whenever you want. • Dividends and coupons: record what you collected and Ruki splits it across the purchases it belonged to, then adds it to that asset's return. • Splits and reverse splits: the quantities and prices of your earlier purchases adjust automatically. Including the CEDEAR case, where sometimes what changes is the conversion ratio. • Sales your way: partial or total, and you choose which purchase the sale comes out of. You're not forced into first in, first out. • Your history, kept for good: brokers wipe what you sold after a year or two. Ruki keeps it and counts it in your total result. • Export whenever you like: your whole portfolio to Excel. You're never locked into Ruki. • Looking ahead: set a monthly contribution, a rate you choose and a time horizon, and see how your current portfolio would evolve. It's a compound interest calculation, not a market forecast. PLANS The free plan never expires. It includes every calculation and automatic prices, with a cap on assets and transactions. If your portfolio is bigger, Premium removes the limits: monthly, quarterly or annual, all three with a free trial. PRIVACY AND SECURITY Ruki doesn't connect to your broker, never asks for your passwords and has no access to your money. Sign in with Google, with Apple, or with email and password. The database checks on every request that the data belongs to you, and everything is stored encrypted. You can delete your account and all your information whenever you want. WHO IT'S FOR • Investors who are fussy about the numbers: you want to know how each purchase did, not the average. • Anyone using several brokers who wants to see it all together. • Anyone just starting out: import your broker's file and begin with your portfolio already loaded, no expertise needed. IMPORTANT Ruki is a record-keeping and tracking app. It does not buy, does not sell, does not hold your money, does not connect to financial institutions, and does not constitute an investment recommendation or advice. Questions or suggestions? Write to us at info@rukiportfolio.com • FAQ: https://rukiportfolio.com/en/preguntas • About Ruki: https://rukiportfolio.com/en/sobre-ruki • Security: https://rukiportfolio.com/en/seguridad • Privacy Policy: https://rukiportfolio.com/en/privacidad • Terms and Conditions: https://rukiportfolio.com/en/terminos • Terms of Use (EULA): By using Ruki Portfolio you accept Apple's standard Terms and Conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/