Patrimonia vs Vulfyn

Patrimonia is your all-in-one family wealth management app. Track all your assets and liabilities in one place, with a clear and complete overview of your financial situation. ALL YOUR ASSETS, ONE SCREEN • Bank accounts and cash • Stocks, ETFs and funds • Cryptocurrencies • Real estate and mortgages • Life insurance and pension plans (Pillar 2, Pillar 3a, vested benefits) • Private equity, precious metals and valuables FAMILY TRACKING View each family member's wealth — spouse, partner, children — and get a consolidated view of your total family net worth. MULTI-CURRENCY Manage assets in different currencies with automatic conversion to your reference currency using daily updated exchange rates. HISTORY AND PERFORMANCE Track your wealth over time with detailed charts. Analyze investment performance with automatic capital gains and losses calculations. BUDGET AND EXPENSES Manage your monthly budget and share expenses between family members. FINANCING SIMULATION Simulate your mortgage borrowing capacity using Swiss and international criteria. FOR WEALTH MANAGERS Track and manage your clients' portfolios from a dedicated dashboard. Patrimonia is available in French, English, German and Italian.

Vulfyn is a simple, fast personal-finance app that helps you understand your money at a glance. Your accounts, credit cards, loans and goals — all in one place, clear and private. NET WORTH AT A GLANCE All your assets minus your debts, with a real growth trend. See exactly where you stand. SAFE TO SPEND Vulfyn tells you what you can really spend this month after fixed costs, goal contributions and what you've already spent. No more end-of-month surprises. CREDIT CARDS — DONE RIGHT Current balance, statement balance, available limit and installments. The minimum payment is calculated automatically per regulation; if you pay only the minimum, Vulfyn shows the interest-bearing balance carried into next month. LOANS — NO NEED TO KNOW THE RATE Just enter the loan amount, monthly installment and term. Vulfyn calculates the implied interest rate, remaining principal and total interest for you. DEBT PAYOFF STRATEGY See how to clear your debts fastest or cheapest with the Snowball (smallest balance first) or Avalanche (highest interest first) simulator. Try different extra payments instantly. BUDGET & ANALYTICS Income vs. expense flow, spending by category, over-budget alerts and savings suggestions. See exactly where your money goes. GOALS & SAVINGS SIMULATOR List what you want to buy and track your progress. Change your monthly saving and instantly see when you'll reach each goal. PRIVACY FIRST Your data is stored only in your own iCloud account and syncs automatically across your devices. No ads, no third-party tracking, nothing on our servers. Lock with Face ID and hide balances with one tap. FEATURES • Net Worth and trend chart • Safe-to-Spend amount • Accounts: cash, checking, savings, investment, real estate, vehicle • Credit cards: balance, installments, minimum payment, carried-over interest projection • Loans: automatic interest / remaining-principal calculation • Debt payoff strategy (Snowball / Avalanche) • Category budgets and spending analytics • Goals and savings simulator • Subscription tracking • Turkish & English, ₺ support • Full Dark Mode • iCloud sync Take control of your money with Vulfyn.