Parasify vs Bilanco

Parasify is a privacy-focused personal finance app that stores your data locally on your device. No accounts required — your data stays on your phone unless you choose to enable cloud sync. BUDGET & EXPENSE TRACKING Create budgets for any category and track spending in real time. Get alerts when approaching limits. Log expenses, income, and transfers across multiple wallets with multi-currency support. NET WORTH & ASSET TRACKING See your complete financial picture. Track real estate, vehicles, investments, precious metals, and cryptocurrencies alongside your debts and loans. Watch your net worth grow over time. FINANCIAL GOALS Set savings targets, debt payoff goals, emergency funds, and more. Link goals to wallets for automatic tracking or update manually. SMART FEATURES • AI-powered receipt scanning — snap a photo and auto-create transactions • Financial insights and spending forecasts • AI chat assistant for financial questions • Recurring transaction automation • Credit card management with billing cycles • Loan amortization tracking • Home screen widgets for quick access MULTI-CURRENCY & GLOBAL Support for 150+ fiat currencies, 500+ cryptocurrencies, and precious metals. Real-time exchange rates with cross-currency conversion. PRIVACY FIRST • Data stored locally on your device by default • Face ID / Touch ID lock • No ads, no tracking • Optional cloud sync for backup and multi-device access • Family and wallet sharing via cloud sync REPORTS & EXPORT Spending heatmaps, cash flow forecasts, monthly comparisons, and category breakdowns. Export to CSV or PDF. PREMIUM FEATURES Unlock unlimited wallets, budgets, goals, assets, and debts. Get AI chat, receipt scanning, financial insights, cloud sync, and family sharing with a subscription. All core features work fully offline with local data. Free to download. Premium subscription available with a 7-day free trial. Terms of Use (EULA): https://kochanahm.github.io/parasify-website/terms Privacy Policy: https://kochanahm.github.io/parasify-website/privacy Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Payment will be charged to your Apple ID account at confirmation of purchase. Manage and cancel subscriptions in your App Store account settings.

Full control of your financial life, right in your pocket! Bilanco is not just a debt tracker. Build your plan to get out of debt, see your income-expense balance, follow the value of your assets in real time. **WHY Bilanco?** - Automatic credit card interest and tax calculations - Gold, silver, foreign currency and crypto integration - Focused on taxation across 21 countries, 26 currencies supported - Instant access to local market data **Real Debt Projection** How tiered interest works on your credit card, when your loan ends, how much your gold debt grew at market price — all in clear numbers. **Smart Simulation Engine** Answer "if I pay 5,000₺ this month, when does it end?" in seconds. Compare different payment scenarios. **Comprehensive Debt Management** - **Credit Card:** Tiered interest, minimum payment, automatic tax calculation - **Loan:** Annuity instalment plan, remaining payment view - **Cash Debt:** Per-person tracking, with or without a due date - **Precious Metals:** Live rate impact on gold/silver debts - **Forex & Crypto:** USD, EUR, Bitcoin, Ethereum and more **Smart Payment Planning** - Build your monthly payment calendar automatically - See how much to pay on which day - Minimum payment and interest amounts calculated automatically - Payment day reminders via notifications - Let due payments be marked "paid" automatically **Works Around Your Payday** The app builds the month around your payday, not the calendar month. Enter your starting balance and see your remaining balance day by day. **Income & Expense Control** - Ready-made expense categories (rent, groceries, transport, leisure...) - Recurring payments: weekly, biweekly, monthly - Monthly budget tracking and variance analysis - Income-expense balance chart **Asset Portfolio** - **Gold:** Quarter, half, full and Republic gold - **Silver:** Tracked by the gram - **Forex:** 26 different currencies - **Crypto:** Bitcoin, Ethereum, USDT and popular coins - **Term deposit:** Interest accrues daily, reflected in the value instantly - Valuation at live market prices - Net worth: Assets − Debts = your financial strength **Available Balance or Reserve?** Your gold, foreign currency and term deposits count as "reserve" and stay out of your spendable balance — "what I own" never gets mixed up with "what I can spend this month". **Savings Goals** Set your target amount and date, prioritise them, watch your progress. **Live Market Data** - Gold: gram, quarter, half, full - Silver: by the gram - Forex: USD, EUR, GBP, JPY and 22 more - Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE... - Follow price movements on charts - Automatic rate updates **Summary and History** - Monthly financial summary: your situation at a glance - Debt progress line: how close are you to your goal? - Net worth trend: are you getting wealthier? - Payment history and transaction history: what you did and when **Financial Calendar** - Income, expenses and debt due dates, day by day - Daily remaining balance projection - Colour-coded categories - Filterable view **SECURITY & PRIVACY** - Biometric lock with Face ID / Touch ID - Your data is stored encrypted on your device, the server connection is encrypted - Keep using the app offline — your actions are queued and synced automatically once you reconnect - Your data is tied to your account; just sign in when you change phones **USER EXPERIENCE** - Modern, clean interface: no tangled menus, everything one tap away - Dark & light theme: pick the mode that suits your eyes - 21 language support - Sign in with Google: quick setup, start right away - In-app guide and frequently asked questions **WHO SHOULD USE IT?** - Anyone who wants to reduce credit card and loan debt - Gold, foreign currency and crypto investors - Anyone who wants to balance income and expenses - Anyone preparing for a debt-free future *Note: Market data is for information only. Discuss investment decisions with professional advisers.*