NodeWorth vs ChronoPay

See what your money needs to cover before the next payday. NodeWorth turns the balances, bills and payment dates you enter into a personal cash-flow plan. Start with one account and add detail when it helps. • See expected closing cash on every calendar date, including days with no activity. • Compare money coming in, money going out and cash carried forward. • Schedule paydays, household bills, debt payments and everyday spending. • Spot projected payment shortfalls and review the amounts, dates and accounts involved. • Try a purchase or income change in a separate plan, then review its changes before merging into Main plan. • Keep a connected history of saved changes, including archived alternatives. • Try an earlier plan again from today while preserving current recorded balances, payments and closed-day history. • Choose light or dark appearance and protect access with optional device authentication. • Export and import a complete JSON backup of your plan and history. Your financial planner works offline. No NodeWorth account or bank login is required. NodeWorth does not fetch bank transactions or move money. Your plan is stored locally; you control the backups and copies you choose to share. Free includes all local planning, scenarios, history, themes, app lock and complete JSON backup/import, supported by advertising. NodeWorth Pro removes ads and adds CSV cash-flow reports for spreadsheets. Choose a monthly or yearly auto-renewing subscription at the price shown in the app. Manage or cancel your subscription in your Apple Account settings. Restore purchases is available in the app. Forecasts are estimates based on your entries. Scheduled activity does not mean a payment has happened. Optional interest rates are reference details; NodeWorth does not calculate interest automatically. Privacy policy: https://nodeworth.com/privacy Terms and conditions: https://nodeworth.com/terms Apple standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://nodeworth.com/support

Stop reacting to bills. Start mastering them. This isn’t just another bill tracker. It’s a smarter way to plan, predict, and stay ahead. With powerful forecasting, intelligent payment timing, and a real-time Bill Stress Score, you always know exactly where you stand. No surprises. No scrambling. No late fees. SMART BILL PLANNING WITH PROCESSING TIME Most apps assume payments happen instantly. Real life doesn’t. Add a custom processing time to any bill and guarantee your payment arrives exactly when it needs to. Perfect for slow payers, mailed payments, or services that take days to process. Plan ahead with confidence and never miss a due date again. YOUR BILL STRESS SCORE One quick glance tells you everything. The Bill Stress Score instantly evaluates your current bill situation and upcoming income. Know whether you’re comfortably covered or if action is needed. No spreadsheets. No guesswork. Just clarity. 90 DAY FORECASTING See what’s coming before it happens. Track income, upcoming bills, and projected balances across the next 90 days. Watch your balance trend evolve and make smarter decisions with real financial visibility. SHARED HOUSEHOLD Money is easier when it’s shared. Invite your partner and manage expenses together in real time. Add bills, update payments, and stay aligned without endless messages or confusion. SUBSCRIPTIONS, ORGANIZED Streaming services. Memberships. Recurring charges. All subscriptions live in their own dedicated space so you can review, edit, and manage them anytime. See totals instantly and stay in control of recurring spending. CUSTOM BILL ICONS Make your finances visual. Upload custom icons for bills and subscriptions to personalize your dashboard and make navigation faster and more intuitive. SMART NOTIFICATIONS Only get notified about what matters to you. Choose exactly what you want alerts for and what you don’t. Upcoming bills, due soon reminders, income alerts, and more. Powerful and customizable. PRIVACY FIRST. ALWAYS. Your financial data belongs to you. • No third-party servers • No selling data • No tracking your finances • No accounts required All syncing and backups are powered exclusively by Apple CloudKit and iCloud. Your information stays securely within Apple’s ecosystem and under your control. Designed for simplicity. Built for clarity. Powered by privacy. Download today and take control of your financial flow! Terms of Use: https://steinmetzlabs.com/apps/chronopay/terms.html Privacy Policy: https://steinmetzlabs.com/apps/chronopay/privacy.html