NeverDue vs Finfolio

NeverDue helps you stay on top of every recurring payment — EMIs, loans, subscriptions, insurance, SIPs, rent, credit card bills and more. TRACK EVERYTHING IN ONE PLACE Add all your recurring payments with details like amount, frequency, interest rate and duration. Supports monthly, weekly, quarterly, yearly or custom payment schedules. SMART REMINDERS Get notified before every due date so you never miss a payment. Customize reminder timing for each payment individually. CALENDAR VIEW See all your upcoming payments on a clean monthly calendar. Tap any date to see what's due and mark payments as paid. INSIGHTS & ANALYTICS - Category-wise spending breakdown - Monthly outflow trends - Payment projections for the next 12 months - Debt timeline showing when each loan ends DEBT PLANNER (Pro) Plan your debt-free journey with proven strategies: - Snowball method (smallest balance first) - Avalanche method (highest interest first) - What-If simulator to see how extra payments help - Complete payoff schedule with projected dates EXPORT YOUR DATA (Pro) Export your payment data as CSV or a formatted PDF report — great for tax filing, budgeting, or sharing with a financial advisor. PRIVACY FIRST Your financial data never leaves your device. No account needed. No cloud sync. No tracking. Everything is stored locally on your phone. ADDITIONAL FEATURES - Dark mode support - Shared payment tracking (split EMIs) - Backup & restore your data - Mark payments as paid with swipe gestures - Indian Rupee formatting with lakhs & crores - Haptic feedback for a polished experience NEVERDUE PRO Unlock advanced features like Debt Planner, detailed insights, payment projections, CSV & PDF export, and unlimited payment tracking with a yearly subscription. Download NeverDue today and take control of your finances. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://neverdue.app/privacy-policy

Finfolio is your all-in-one personal finance companion — track every bill, grow your wealth, and understand your spending, all in one beautifully simple app. Whether you're managing credit card dues, SIP investments, insurance renewals, FDs, or your family's net worth — Finfolio puts everything in one place, works offline, and keeps your data private. BILLS & SUBSCRIPTIONS Never miss a payment again. Track credit card dues, EMIs, insurance premiums, LIC policies, utility bills, OTT subscriptions, and more. Finfolio reminds you before every due date — days, weeks, or months in advance. • Smart reminders with custom lead time • Location-based alerts — remind when you arrive at a place • Auto-advance due dates after payment • Overdue detection with badge alerts • Duplicate bill detection before saving • Full payment history per task WEALTH & NET WORTH Know exactly where you stand financially at any moment. • Real-time net worth calculation across all assets and liabilities • Net worth trend chart over time • Mutual Fund SIP tracking with cumulative invested amount and CAGR projection • Inflation-adjusted SIP returns • Gold tracking (physical + digital) with live price per gram • Fixed Deposit tracker with maturity calendar and early alerts • Property, vehicles, and other assets • 80C Tax Saving Tracker — visualize progress toward ₹1.5L limit (PPF, NPS, SIP, FD) • Bill amount history sparkline for every investment row • Debt payoff progress bars for liabilities • Family member profiles — separate view per person BUDGET & INSIGHTS Understand your spending patterns and stay on track. • Monthly category budgets with live vs. actual comparison • 6-month spending trend chart with average line and highest/lowest callout • Predicted overspend alert — get notified when your pace exceeds last month by 10% • Savings rate tracker • Income logging (salary, rent, freelance, and more) • Surplus transfer to bank balance • Spending breakdown by category DOCUMENTS Keep all your financial documents safe and organized. • Scan and store receipts, bills, and financial statements • PDF viewer built in • Folder organization • Share documents with collaborators via share code • Monthly PDF report generation BACKUP & RESTORE Your data, always safe — even without iCloud. • Full backup to a single .finfoliobackup file (tasks, payments, PDFs, settings, SIP history — everything) • Optional AES-256 password encryption for backups • Restore from any backup file, even after deleting the app • Save backups to iCloud Drive, Google Drive, or email them to yourself SHARE & COLLABORATE • Share tasks with family or friends via a unique share code • Real-time sync via CloudKit — changes appear instantly across devices • Share financial documents securely DEEP APPLE INTEGRATION • Siri Shortcuts — "Hey Siri, what's my net worth?" or "Kitna bacha hai budget mein?" • Home Screen Widgets (small, medium, lock screen) — see upcoming dues at a glance • Interactive medium widget — mark tasks as paid directly from your home screen • Spotlight Search — find any bill from your home screen • Apple Calendar sync • Face ID / Touch ID lock • CSV export for Excel • PDF export for reports • iCloud sync across iPhone and iPad PRIVACY FIRST Your financial data stays on your device. No accounts required. No data sent to external servers. Location is used only on-device for geofenced reminders. DISCLAIMER Finfolio is a personal finance helper — not a financial advisor. All calculations are estimates. Always verify important financial data with a qualified professional. Use it as a helper, not an advisor.