Quartal Finance vs Monohroshi

Quartal is a smart bookkeeping and tax calculation assistant designed for Ukrainian sole proprietors (FOP Groups 1, 2, and 3). Effortlessly track income, calculate Single Tax, Unified Social Contribution (ESV), and Military Tax without messy spreadsheets. Eliminate manual calculations and currency exchange lookups. Quartal seamlessly connects with your business bank accounts, applies official NBU exchange rates, monitors revenue thresholds, and sends timely deadline reminders so you can focus on growing your business. KEY FEATURES: 1. Secure Bank Sync (Ukraine) Connect your business accounts with Monobank, PrivatBank, PUMB, and A-Bank in UAH, USD, and EUR. Transaction history syncs automatically via official read-only banking APIs. No manual transaction entries required. 2. Accurate Tax Calculations (2026) Automated calculation of Single Tax, Unified Social Contribution (ESV), and Military Tax based on current 2026 tax rates and statutory rules for Groups 1, 2, and 3. 3. Official NBU Currency Conversion Receiving foreign income in USD or EUR? Quartal automatically fetches the official National Bank of Ukraine (NBU) exchange rate on the date of receipt and converts it accurately into UAH for proper tax recordkeeping. 4. Revenue Limit Tracking Monitor your annual revenue threshold in real time. Quartal alerts you in advance when approaching group limits to prevent unexpected taxation transitions. 5. Tax Calendar and Deadlines Never miss a tax payment or filing date. Smart reminders at 14, 7, and 3 days before deadlines protect you from fines and penalties. 6. Invoices and Primary Documents Generate professional invoices, acts of completed work, and waybills in under a minute. Sign documents digitally with electronic signatures (QES / Dubidoc) and export ready-to-send PDF files. 7. Interactive iOS Widgets Keep track of upcoming tax liabilities and group limits directly from your iPhone Home Screen or Lock Screen using native iOS widgets. Security and Privacy (Local-First): - Quartal cannot initiate financial transactions or access your funds. - Financial records are never stored on external servers. All data remains strictly on your iPhone in an encrypted database protected by Face ID, Touch ID, and Apple Keychain. WHO IT IS FOR: Sole proprietors (FOP 1, 2, 3), IT freelancers, software developers, designers, digital marketers, consultants, online merchants, and self-employed professionals. Quartal — stress-free business bookkeeping. DISCLAIMER AND STATUTORY SOURCES: Quartal is an independent software application and is NOT an official representative of, affiliated with, or endorsed by the State Tax Service of Ukraine (STS) or any government authorities. The application is designed solely as a third-party personal accounting utility and tax calculator for self-employed entrepreneurs. Official sources of statutory tax rates and legislative information: - State Tax Service of Ukraine: https://tax.gov.ua - Tax Code of Ukraine (Verkhovna Rada portal): https://zakon.rada.gov.ua Terms of Use: https://quartal.app/terms.html https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://quartal.app/privacy-policy.html

Know where your money goes, what is safe to spend, and what comes next. Monohroshi is an expense tracker and budget planner for personal, couple, and family finances. TRACK IN SECONDS - Record income, expenses, transfers, and refunds - Split one purchase across categories - Organize transactions with custom categories and tags - Search, filter, and edit multiple transactions at once PLAN AHEAD - Use one monthly budget, category limits, or both - See what is free to spend, a daily allowance, spending pace, and past cycles - Account for upcoming recurring payments before they put a budget over its limit - Schedule rent, subscriptions, salary, and other recurring transactions - Get reminders, optionally create transactions automatically, and find repeated charges in your history - Set savings goals and follow a personalized contribution plan built around your paydays - Start your financial month on the day that matches your salary cycle SEE YOUR WHOLE FINANCIAL PICTURE - Track bank accounts, cash, savings, investments, property, vehicles, loans, and debts - See balances and net worth across multiple currencies - Follow stocks and crypto with automatically updated market prices - Separate personal finances from shared financial spaces UNDERSTAND WHAT COMES NEXT - Explore spending by category, account, tag, or person - Review your savings rate, budget performance, fixed costs, consistency, and financial health score - See a 30-day balance projection based on recurring transactions and usual spending - Try “What if…” scenarios to see how spending cuts could change your future balance, then turn them into budgets - Ask the AI assistant questions about your own financial data MOVE AND SYNC YOUR DATA - Import data from other finance apps - Import bank statements from CSV, PDF, and Excel files - Export your transactions to CSV - Sync securely across your devices - Connect supported banks for automatic balance and transaction updates; Monobank sync is available in Ukraine SHARE WITHOUT LOSING CONTROL Create a financial space with a partner, family, roommates, or a team. Everyone you invite can work with the same accounts and transactions, while your other spaces stay separate. Your data is encrypted in transit and at rest. Protect the app with a PIN and Face ID, Touch ID, or fingerprint unlock. We never sell your financial data. Some advanced features require Monohroshi Pro. Bank sync availability varies by country. Terms of Use: https://app.monohroshi.com/terms Privacy Policy: https://app.monohroshi.com/privacy