NodeWorth vs Enoughly

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

Know what's actually safe to spend. Most budgeting apps think in calendar months. Your money doesn't — it arrives by paycheck and leaves through bills. Enoughly is built around that reality: one honest number tells you what's truly spendable after the bills due before your next payday, with a safety net you never touch. ONE PURCHASE. NO SUBSCRIPTION. NO BANK LINKING. Enoughly is free to try for 14 days, then a single one-time purchase unlocks it forever on Mac, iPhone and iPad, with Family Sharing. It never asks for your bank credentials — import your bank's CSV, QFX, or OFX files instead. There are no servers, no accounts, and no analytics: your data lives on your devices and syncs through your own iCloud. The privacy label says "Data Not Collected" because that's how it's built. SAFE TO SPEND • Liquid cash − bills due before payday − your safety net = one glanceable number • On the Dashboard, in the Mac menu bar, and in home-screen and Lock Screen widgets • A Discreet widget option shows your status with no dollar amounts at all PAYCHECK-ENVELOPE BUDGETS • Give each category an allowance that refills every payday • Build envelopes automatically from your real spending history • See what's left in every envelope, and what's leaking outside them BRING IN YOUR TRANSACTIONS • Import the CSV, QFX, or OFX files your bank already offers • Automatic categorization, custom rules, and duplicate detection GET OUT OF DEBT • Snowball and avalanche payoff plans with dates and interest saved • A printable per-payday payment plan • What-if simulator: see how financing a car or making a lump-sum payment moves your debt-free date — including trade-ins with negative equity INSIGHTS THAT WATCH YOUR BACK • Paycheck report card after every payday: what came in, where it went • Alerts for bill spikes, possible double charges, and subscriptions that quietly raised prices • Optional AI coaching by Apple Intelligence, in the personality of your choice — from a drill sergeant to a butler YOUR DATA IS YOURS • Encrypted, password-protected backups • One-tap CSV export that opens in any spreadsheet or finance app • Net worth tracking across cash, credit, property, vehicles, and investments Enoughly: the paycheck-first budget for people who want one clear answer — can I afford this before payday?