Vimoni vs Mofi

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.

Mofi – The Smart Financial Management & Fund Allocation App Designed Just for You! Do you ever find yourself flush with cash at the start of the month, only to wonder where it all went by the end? Have you tried various expense-tracking apps but found them too cumbersome, or worried about sensitive financial data being uploaded to a server? Mofi was created to solve these issues once and for all, guided by the philosophy: "Simple – Accurate – Absolute Security on your device (Local-First)." KEY FEATURES OF MOFI: 1. BUDGET ALLOCATION ACROSS 3 STANDARD CATEGORIES Forget complex spreadsheets; Mofi helps you clearly allocate your income at the start of the month: • Savings & Emergency Fund: Commit to setting aside money for the future before spending. • Fixed Expenses Fund: Rent, utilities, internet, tuition, loan installments, etc.—ensuring you never miss a payment. • Daily Spending Fund: Dining, coffee, shopping, entertainment, etc.—with specific limits and suggestions on the maximum daily spend to avoid running out of money. 2. AUTOMATIC FUND REPLENISHMENT & FLEXIBLE BUDGET ADJUSTMENT Life is full of surprises. When your Dining or Shopping funds go over budget, Mofi offers practical solutions: • One-tap "Replenish from another fund" button: Automatically calculates the deficit and suggests covering the amount using your Emergency Fund or other funds with a surplus. • Smart Fund Transfers: Move funds between categories without distorting your overall monthly cash flow picture. 3. MOFI: YOUR AI ASSISTANT & DAILY COMPANION A friendly, adorable virtual assistant right in your pocket: • Quick insights: Ask questions like "What did I spend today?", "How much is left in my funds?", or "Which category has the highest spending?". • Smart overspending alerts: Timely reminders when a fund approaches a critical limit. • Quick expense logging via conversation: Select a category and save the amount instantly in just a few seconds. 4. VISUAL REPORTS & INDEPENDENT TRACKING • Financial Overview card: Clearly view total income, total expenses, and remaining available funds. • Dedicated tabs for each budget: Easily review the details of every transaction within a specific fund. • Top spending category statistics: Identify your biggest expenses for the month to help optimize your financial habits. 5. SMART PLAN DUPLICATION With just one tap at the start of a new month, you can replicate your successful plan from the previous month—no need to re-enter data from scratch. Payment statuses are automatically reset, ready for the new cycle. 6. ABSOLUTE SECURITY – 100% LOCAL-FIRST • Your data belongs to you: All income and expense records are stored offline in an SQLite database directly on your iPhone. • No ads, no tracking, and no data transmission to external servers. • Convenient JSON backup export & import: Easily store or transfer your data when switching to a new device. Let Mofi help you master your finances, save with confidence, and enjoy a worry-free life every day! Download Mofi today – Start your journey toward financial freedom!