Kesef vs Molino

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/

Selling a lot isn't the same as earning. Molino subtracts what you paid for the goods, the packaging and the month's fixed expenses from your revenue. What's left is your real profit: sale by sale, product by product, month by month. HOW IT WORKS Molino follows one simple chain: supplier → product → sale → summary. • Supplier. You enter what each item costs you, and Molino splits that cost by weight on its own: if a kilo costs you $18.00, a 250 g bag costs you $4.50. Every price change is kept in the history. • Product. One product with every size you sell — 125 g, 250 g, 1 kg, whatever you use — each with its own price. Packaging, labels and payment fees are subtracted per unit sold. • Sale. On save, the sale freezes that day's price and cost. If your supplier raises prices tomorrow, your old sales still tell the truth. • Summary. Revenue, cost, gross profit and — once fixed expenses come out — net profit. WHAT'S INSIDE • Day, week, month and year summaries, compared against the previous period • Margin per product and per size, worked out for you • Ranking of what sells most and what earns most • Cost increase simulator: what happens to your margins if a supplier goes up 10% • Cost history for every supplier • Monthly fixed expenses: rent, utilities, wages • Suppliers for goods and for materials, each with its own catalog • Reusable size presets shared across products • Two business modes: reseller, if you buy finished goods, or producer, if you transform raw material (with weight loss and processing cost) • A sample business, so you can walk through the whole app without entering a single number YOUR DATA IS YOURS Molino has no accounts and no sign-up. Your business data — sales, products, costs, suppliers, expenses — stays on your phone and never travels to a server of ours, because there isn't one. MOLINO PREMIUM The subscription removes all advertising and unlocks Excel import and export: products, sales, suppliers and expenses go out to a spreadsheet, get edited comfortably on a computer, and come back in. • Auto-renewable subscription, 1 week • The price is shown on the subscription screen, in your currency, before you confirm • It renews automatically unless canceled at least 24 hours before the end of the current period • Payment is charged to your Apple Account on confirmation • Manage or cancel it in Settings ▸ your name ▸ Subscriptions Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://molino.apphq.online/privacy