MarkFinance vs Ovlo

Manage your money without spreadsheets: accounts, credit cards, bills and household expenses, in an app that works offline and matches your bank. WHERE I STAND AND WHAT'S DUE The home screen shows your balance, what's due, what's overdue, each card's bill and the month's cash flow. You get reminders the day before, on the due date and while it's overdue. CREDIT CARDS DONE RIGHT • Installment purchases spread across the right bills • Closing date, due date and limit for each card • Pay a bill with one tap MATCHES YOUR BANK, TO THE CENT Import an OFX statement from your account or card. The app shows what's missing, what's extra and offers to make everything match your bank. Duplicates are detected and categories are suggested from your history. HOUSEHOLD GROUP Invite the people you share bills with. Choose which accounts and cards join the group, record who paid and for whom, and see right away who owes what. Your personal finances stay private. EVERYTHING IN ITS PLACE • Income, expenses, transfers and recurring entries (salary, rent, subscriptions) • Categories and subcategories • Budgets by category • Monthly and yearly metrics and charts • Goals, net worth and a document vault, if you want them MARK, YOUR ASSISTANT Chat about your spending with the AI assistant using your own OpenAI, Anthropic, Google Gemini or OpenRouter key. You pick the provider and what it can see. SECURITY • Data stays on your device and works offline • Face ID or fingerprint lock • Automatic daily backups • The app never accesses your bank account PLANS Free: 2 accounts, 1 card and 3 recurring entries. Premium: unlimited accounts, cards and recurring entries, sync across devices and household group, budgets and full reports. Auto-renewing subscription. Cancel anytime in your store account settings. Terms of Use: https://marcooliv.github.io/markfinance/terms-of-use Privacy Policy: https://marcooliv.github.io/markfinance/privacy-policy

Ovlo is the expense tracker and budget app that keeps your spending, shared bills and credit card installments in one place. SPLIT BILLS & SHARED BUDGET Create a shared budget with your partner, family or roommates. Split expenses and see who owes what at a glance — the perfect budget app for couples. RECEIPT SCANNER Snap a photo of a receipt and the expense is added automatically. INSTALLMENT & CREDIT CARD TRACKER Track credit card payments and installments. See how many payments are left and your total balance. AI BUDGET INSIGHTS Ask the AI about your spending and get savings tips and a monthly summary instantly. SPENDING TRACKER & BUDGET PLANNER Categorize daily expenses, set a monthly budget, track savings goals and see where your money goes with clear charts. Ovlo is your personal finance tracker and money manager — simple, fast and smart. Ovlo Premium is an auto-renewable subscription (monthly or yearly). Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://appelux.com/apps/ovlo/premium-terms Privacy Policy: https://appelux.com/apps/ovlo/privacy-policy