Kesef vs Kibo

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/

Kibo is an expense tracker and budget app for everyday money. Add an expense in seconds or snap the receipt, and Kibo picks the category. Log an expense in seconds Type "Starbucks 4.80" and you're done. Kibo suggests the category as you type and adds its image. If you want a different one, change it with a tap. You can also import your bank statement as a CSV and every expense lands in its place. Scan a receipt. Done. Take a photo of any receipt or pick one from your library. Kibo reads the merchant, the amount and the date. Ask Kibo about your money Type "How much did I spend on restaurants last month?" and Kibo answers with the total and the expenses behind it. Your month at a glance Tap your monthly total for a day-by-day calendar, your most expensive day, your daily average, your income and how you compare with last month. When the month ends, Kibo tells it as a short story. Know where your money goes Categories shows what you have spent in each one this month, how that compares with last month and what is left of its budget. No surprises from fixed costs Netflix, the gym, rent: every repeating payment in one place, with what it costs per month and per year. Kibo reminds you before each renewal and spots repeating payments so you can add them in one tap. Save for what matters A savings jar for each goal, with how much you have and how much is left. Turn on recurring savings and Kibo logs the deposit for you. Make it yours Nine color themes and a choice of app icons. Also inside • Budgets per category, so you know what is left. • Spaces to keep a trip or a project apart from everyday spending. • Places: Kibo reminds you to log the expense when you arrive at the shops you pick. • Income and your monthly balance. • Apple Watch, widget, Live Activity, Siri shortcuts and the Apple Pay automation. • Export all your data as CSV whenever you want. Privacy We don't sell your data and we don't show ads. You can delete your account and everything in it from the app. Free and Premium Kibo is free for everyday use. Premium lifts the limits on expenses, scans, Ask Kibo questions, fixed costs, savings jars and budgets. Try it free for 7 days. Languages: English, Castilian Spanish, Hindi, Russian and Filipino. Got an idea? Write to support@ki-bo.com. We read every message. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ki-bo.com/privacy-policy