Spending Tracker vs PocketVault

Mochi Money: track spending, stay on budget, save more. Mochi Money is a simple expense tracker for people who aren't accountants. Logging a spend takes a few taps, and you can see where this month's money went at any time. It's a little bit cute and uses plain words. It also never makes you feel bad about what you spent, so it's easy to open every day. FEATURES • Fast logging: add an expense in about ten seconds • Spending by category: a colour-coded chart shows where your money goes • Monthly budgets: set a limit for each category and see how much is left • Savings goals: make a wallet for a trip, a car or a move, and watch it fill up • Home screen widgets: see this month's spending and your remaining budget without opening the app • Recurring charges: add subscriptions and bills once, and Mochi logs them when they're due • Quick Log: save an expense with Back Tap, the Action Button or Siri Know where your money went Add every coffee, ride and impulse buy with a few taps. By the end of the month you'll have a clear picture of where it all went and what you might change. See your spending by category A colour-coded breakdown shows which categories take the biggest share of your pay, from groceries and eating out to subscriptions. You won't need a spreadsheet or a calculator. Stay on budget Set a monthly limit for each category once. Mochi shows how much is left as you spend, so you can tell you're getting close before you go over. Save for the things you want Create a wallet for the trip to Japan, your first car or the moving-out fund, and watch its progress bar fill as you put money aside. Check in from your home screen Mochi's widgets show what you've spent this month compared with a usual month, and how much of your budget is left. Keep track of recurring charges Add your subscriptions and bills once. Mochi logs them when they come due, so payday has fewer surprises. Log a spend without opening the app With Quick Log, double-tap the back of your iPhone, press the Action Button or ask Siri, and the expense is saved. After a week or so of logging, your spending starts to make sense. If you're saving for your first apartment or spending too much on takeout, Mochi can help you keep track.

We can't see your money. By design. PocketVault Finance tracks your budgets, bills and net worth, and answers questions about them, all on your iPhone. No bank login. No account. Turn on airplane mode and it keeps working. You're the customer, not the product No ads. No loan offers. No data sold. Your ledger isn't on our servers, so there's nothing to sell. PocketVault is paid for by the people who choose Premium. Get your history in • Bring in a PDF statement from any bank, or a CSV export, from Files or another app's Share button. It reads the figures on the page. • Add the rest as you go. It takes a few seconds per entry. • Categories come from your own history first, then a built-in merchant list, so you correct a category once. What you can track • Checking, savings and credit cards, in one ledger • Weekly, monthly and yearly budgets, with progress as you spend • Recurring bills, with reminders before they're due • Your mortgage and other loans, investments and savings goals • 401(k), IRA and HSA accounts • Net worth across currencies, converted the same way wherever it's totaled Ask in plain language Ask how much went to dining last month, or what changed since spring. The answer is worked out on your iPhone, by the built-in model where your iPhone has one, or by a model you download once (about 2.6 GB). The figures are the app's own numbers, not the model's. Questions never leave the phone. Free to track. Paid to forecast. Everything you need to track your money is free. Premium adds forecasting and review: Spending forecast, Recurring charge detection, Subscription review, Payoff scenarios, Where this is heading, Money in & out, and Trends over time. What it connects to, and when Your financial data is stored encrypted on your iPhone and is never uploaded. The app goes online for things like: • the one-time model download, if you choose it • diagnostic logs, only when you send them • the App Store's own check of whether you hold Premium The complete list, and four ways to check it yourself, including a packet capture, are at pocketvault.finance/verify One thing to know Because nothing is stored on a server, there's nothing for us to restore. No company can shut your data down. Only you can lose it. Turn on backups and keep a copy off the phone. Privacy Policy: https://pocketvault.finance/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/