Vimoni vs PayNote

Track your income and expenses in one place. Add transactions quickly, manage multiple wallets, and stay on top of your budget. KEY FEATURES • Income & expenses — Record spending and earnings with category, date, and notes. • Voice input — Say "Spent fifty thousand on lunch" or type a number; the app understands words, digits, and mixed formats in multiple languages. • Receipt scan — Take a photo of a bank slip or receipt; the app reads amount, currency, date, and message so you can add the transaction in one tap. Works with popular Vietnamese banks (e.g. Vietcombank, Techcombank, BIDV, VCB Digibank). • Split transactions — Divide one payment across multiple categories (e.g. groceries + household). • Transfer between wallets — Move money between your accounts and track it accurately. • Multiple wallets — Organise your money by account or purpose. • Budgets — Set limits by category and see how much you've spent. • Savings goals — Define targets and track progress. • Debt tracker — Record who owes you money and what you owe others. • Recurring transactions — Schedule regular income or expenses automatically. • Reminders — Get notified for upcoming due amounts. • Advanced reports — Bar and pie charts broken down by category, date range, and wallet. • Comparison reports — Compare spending month-over-month or period-over-period at a glance. • Net worth — See your total assets minus liabilities in one dashboard. • Calendar view — Browse transactions day by day on a monthly calendar. • CSV import — Import transactions from a spreadsheet in seconds. • Multiple currencies — Support for VND, USD, EUR and more; rates are cached for offline use. • Privacy blur — Lock the app with Face ID, fingerprint, or PIN; sensitive amounts are blurred until unlocked. • Cloud sync — Sign in with Google or email to sync across all your devices. • Spending Insights — automatically detects unusual expenses, highlights categories where you overspend, and forecasts your total spending for the coming month based on your habits. • Envelope Budgeting — allocate 100% of your income into category "envelopes" before the month begins (zero-based budgeting). See at a glance how much is left in each envelope and get warned before you overspend. • Tax Report — mark any expense as tax-deductible and choose a category (Business, Medical, Charity, Education, Other). At year-end, view a full summary grouped by category and month, then export to CSV or PDF for your accountant. • Clean, simple design — Focus on your finances without clutter. Whether you're tracking daily coffee or keeping an eye on the budget, this app helps you stay in control of your money. Download now and start managing your finances with less effort.

Tap. Pick. Done. PayNote is a personal expense book that stays on your phone. Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading, for the right amount. A few seconds, and nothing is required except the amount. Nothing to remember and enter tonight. No spreadsheet to open. EVERYTHING STAYS ON YOUR PHONE PayNote works fully offline. No sign-up, no login, no account, no server holding your spending history. It never asks to read your messages, never reads bank notifications, and is connected to no bank or e-wallet — so nobody, us included, can see your account. To move to a new phone or keep a spare copy, export a backup file to iCloud Drive or anywhere you like. The file is encrypted and can carry a password, so a copy that ends up in someone else's hands is unreadable. QUICK ENTRY • Add income and Add expense right on the home screen and on the home-screen widget • A dedicated number keypad with a 000 key, built for one thumb • 15 default categories with icons; rename them, change the icon, add your own • Made a mistake? Edit the entry — the app keeps a history of the change • A daily reminder at the time you choose, scheduled entirely on the phone AN EXPENSE BOOK THAT STAYS SIMPLE • The home screen shows this month's income, spending and balance, with recent entries • Monthly statistics: spending by category, income against spending, one tap to switch months • Spending limits for the month and for each category, with a warning before you go over • Several wallets — cash, bank, e-wallet — each with its own balance • 20 currencies: VND, USD, JPY, EUR… one per wallet, switched right on the home screen • Search your history, accent-insensitive • Vietnamese, English and Japanese interface, amounts formatted the way each language reads them BASIC AND PRO PayNote has no ads, in the free version and the paid one alike. Basic is free and is a complete expense book: unlimited entries, categories, history, monthly statistics, budgets including per-category limits, the widget, the daily reminder, 2 wallets, and CSV export that opens in Numbers or Excel. PayNote PRO is a one-time purchase, yours forever — not a subscription, nothing auto-renews. PRO adds unlimited wallets so cash and each bank keep their own balance, month-on-month and six-month trend reports, password-protected encrypted backup and full restore, and categorisation that learns from what you log. A 7-day trial is included, no card required.