Winnie vs Paddock

Track savings. Not expenses. Budgeting and expense tracking doesn't work the way we think it does: - A Duke University study of 9,035 people found a 0% difference in financial outcomes between budgeters and non-budgeters - 84% of budgeters exceed their budget regularly, causing demotivation and a sense of failure - 73% of budgeting app users give up after 1 week; 97% stop within 1 month Why? Nobel Prize-winning research by Daniel Kahneman shows we feel losses 2.25x more strongly than gains. When you log an expense, you relive the pain of spending that money all over again — you feel the loss twice as hard, twice as often. Winnie flips the script. Instead of tracking what you spend, we help you track what you save. People who write down and track their savings goals save 72% more than people who don't. When you put a name and target to what you're saving for, saving becomes meaningful. How Winnie works: - Set visual savings goals with target amounts and dates - Log contributions and watch your progress fill up - See projected timelines based on your savings pace - Celebrate milestones along the way - Plan across multiple goals and see the tradeoffs - Get realistic financial projections to stay on track - No bank linking required. Your data stays private. Save together! Invite your partner to share goals, track progress together, and celebrate the same milestones. Saving is better as a team. In finance, simple is best. No bank accounts to connect. No transactions to categorize. No spreadsheets to maintain. Just your goals, your progress, and a clear path forward. Some features shown in screenshots require Winnie+. Winnie is a savings tracker, not a financial advisor. Projections are estimates based on historical averages and user inputs. They do not constitute financial advice. Terms of Service: https://www.winnie-app.com/terms Privacy Policy: https://www.winnie-app.com/privacy EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Paddock is a premium UK wealth tracker for people who want a clearer view of their financial future. Track your net worth, ISAs, pensions, savings, investments, property and liabilities in one calm dashboard. No bank connections. No budgeting noise. No spending categories. Just your wealth, clearly organised and easy to update. Paddock is built for manual tracking because sometimes the best way to understand your money is to stay close to it. See your total wealth, track progress towards your next target, understand your Wealth Mix, and keep your accounts fresh with simple update reminders built into the dashboard. Whether you are building towards financial independence, tracking your ISA and pension progress, or simply trying to understand your overall position, Paddock gives you a focused place to see the bigger picture. Key features: • Track your total net worth • Add savings, ISAs, pensions, investments, property and liabilities • UK-native account types including Cash ISA, Stocks & Shares ISA, Lifetime ISA and Workplace Pension • See progress towards your next wealth target • View your Wealth Mix across cash, investments, pensions and liabilities • See when accounts may need reviewing • Manual-entry by design — no bank linking required • Works across iPhone and web • Calm dark and light mode design • Built for long-term wealth tracking, not daily budgeting Paddock is ideal if you want to track: • Net worth • Financial independence progress • ISA balances • Pension growth • Savings • Investments • Property • Credit cards and liabilities • Long-term goals Why manual tracking? Bank feeds can be noisy, fragile and overcomplicated. Paddock keeps things deliberate. You decide what matters, update your numbers when needed, and build a clearer relationship with your financial progress. Your dashboard helps you answer: • What am I worth today? • What changed? • How close am I to my next target? • Which accounts need reviewing? • How is my wealth spread across cash, ISAs, pensions and liabilities? Paddock is not a budgeting app. It is not an open-banking aggregator. It is not trying to categorise every coffee or transaction. It is a calm, privacy-first wealth tracker for people building their future. Privacy Policy: https://getpaddock.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/