Baxak vs RizKharj

Baxak is a simple and powerful personal finance management app designed to help you track your income, expenses, and journal (debts) with ease. With Baxak, you can: • Track daily income and expenses • Manage debts and receivables • Generate financial reports • Export reports as PDF • Backup and restore your data • Share reports easily • Choose your preferred currency • Use the app in multiple languages Your data stays securely on your device. Start managing your money smarter with Baxak today.

RizKharj is a calm, precise tracker for your income and expenses, made for people whose money moves between currencies and countries. It is completely free: every feature for everyone, with no ads, no tracking and no subscription. There is no account to create and no RizKharj server: your records stay on your iPhone or iPad, and the app works offline. Use it in English, German or Persian, with the Gregorian or the Solar Hijri (Shamsi) calendar. EVERYDAY TRACKING • Unlimited transactions: expenses, income, transfers between accounts, and money lent to or borrowed from people • Unlimited accounts, savings goals, people, recurring transactions and loans • Categories and subcategories with over 340 icons, plus notes and tags • Split one purchase across several categories • Receipt photos on transactions • Separate books, for example work and personal ANY CURRENCY • 156 currencies, with every account in its own currency • Enter a single transaction or debt in another currency: the amount charged to the account is suggested from your last such transaction or your exchange rate, and you can change it to the figure on your bank statement • Your own exchange rates in either direction, or a one-tap update from European Central Bank reference rates (major currencies) • The total shows your main currency; other currencies are listed separately with an approximate value BUDGETS AND PLANNING • Monthly or weekly budget, plus a budget for every category • Savings goals, recurring transactions with reminders, and a loan tracker based on your bank's terms • Bills and subscriptions calendar with reminders before they are due • Debt payoff planner: smallest debt first or most expensive first • Family and partner mode: record who paid, mark shared expenses and see a monthly settlement REPORTS • Averages, savings rate and share per category, plus a calendar of your daily spending • Trends across months and weeks, month-end forecast, month-to-month comparison, net-worth history and a year in review, with PDF export • CSV export for Excel and Numbers ON YOUR IPHONE AND IPAD • Home-screen widgets and logging with Siri • Automatic backup and sync through a file in your own iCloud Drive, with no RizKharj server in between • JSON backup and restore, optionally encrypted with a password • Bank statement import (CSV or camt.053) with suggested categories and duplicate detection • Import your history from other expense apps (CSV) • PIN lock with Face ID or Touch ID • Light and dark appearance, accent colours and alternative app icons SUPPORT RIZKHARJ (OPTIONAL) If RizKharj helps you, you can leave a tip under Settings › Support RizKharj. Tips are optional, go through the App Store and unlock nothing: every feature is already yours. If you bought RizKharj Pro earlier, you keep everything and are one of our early supporters. Thank you! PRIVACY • No account, no sign-up and no RizKharj server. The developer never receives your data. • No ads, no analytics, no tracking. • Your data stays on your device, and in your own iCloud Drive only if you turn on automatic backup. • The app goes online only for that backup, for tips through the App Store and, when you tap to update exchange rates, to fetch European Central Bank reference rates from a public rates service. Made in Switzerland. Questions or ideas: hello@rizkharj.com