Clario vs Lode

Clario is the first finance app built natively for Ukrainians. Connect Monobank in one tap. The AI assistant explains where your money goes - in plain language. No graphs you don't understand. No "this week's budget" lifted from American tutorials. Just an honest conversation about your finances. AI ASSISTANT IN UKRAINIAN Ask "how much did I spend on coffee this month?" and get an answer in seconds. Understands the Ukrainian context: ATB, Silpo, Nova Poshta, FOP accounts, Monobank cashback categories. DEEP MONOBANK INTEGRATION Cards, transactions, balances, savings jars - all in one calm view. Other Ukrainian banks are on the roadmap. SHARED JARS Create a shared savings goal with the people closest to you - for a renovation, a vacation, a big purchase. AI suggests how much to set aside each month. DEEP ANALYTICS See where your money actually goes. Trends, categories, end-of-month spending forecast. MONTHLY REPORT On the first of each month, a short digest lands in the app: what you earned, where you spent, which habits grew, which faded. Like a quick letter from a smart accountant. SUBSCRIPTION DETECTION Clario finds your forgotten subscriptions automatically. One tap to open the App Store and cancel. NO COMPROMISES ON SECURITY Clario never sees your bank passwords. AES-256 encryption at rest. Servers in Frankfurt (GDPR-compliant). PLANS Basic - free (3 jars, 3 AI messages per month) Pro - from 4.99 USD per month (10 jars, unlimited AI) Elite - from 9.99 USD per month (unlimited everything, early access to new features) Support: hello@clarioapp.net Website: clarioapp.net Built in Ukraine. For Ukraine. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Lode is the AI budget and expense tracker for iPhone. It logs payments from your bank’s notifications and Apple Pay, keeps budgets, bills and trips in check, and stores everything in your own iCloud. PAY AS USUAL. LODE WRITES IT DOWN Your bank already sends a notification for every payment. Lode turns each one into a transaction — no typing, no bank login. - You pay: By card, online or with Apple Pay. Your bank sends its usual notification. Bank notifications need iOS 27; Apple Pay works on iOS 18 and later. - Lode logs it: Amount, merchant and category — income too — without you opening the app. - It asks when unsure: Cash from an ATM, or a charge that may be one of your bills? One tap in a notification decides. FAST TO LOG. EASY TO PLAN - AI chat, voice and receipts: Type “coffee 5”, say it out loud or snap a receipt. Lode fills in the category, currency and date. Premium, with 3 free voice entries a month. - Budgets that fit your payday: An overall budget, limits per category and an income plan — with the month starting on the day you get paid. - Bills and subscriptions: Recurring payments are logged on schedule, and a free trial ends with a reminder, not a surprise charge. - Goals and debts: Save toward a trip or a laptop at your own pace, and keep track of who owes whom. - Shared accounts: Share an account with a partner or family through iCloud. Everyone keeps their own accounts private. Sharing needs Premium; joining is free. - Statistics and reports: See where the money goes by category, day and trip, and export the month as a PDF report. - Import a CSV, Excel or PDF bank statement, or an export from another finance app — Lode recognizes the columns and uses Lode AI for unusual layouts and PDFs. EVERY TRIP BUDGETED. EVERY COUNTRY STAMPED Set the country and dates, and every expense on those days goes into the trip — in any currency, against its own budget. - See what a day on the road cost, place by place - A passport stamp for every country, and how much of the world you’ve seen - Your trip on the Lock Screen as a Live Activity - 150+ currencies, booked at the rate of the day you paid WORKS THE WAY YOUR iPhone DOES - Siri & Shortcuts: “Log expense in Lode” — hands-free. - Widgets: Balance, budget and spending on your Home and Lock Screen. - Live Activities: The trip you’re on, right on the Lock Screen. - iCloud sync: Your iPhone and iPad, always in step. - Hide amounts: Tap the balance to cover every figure before you hand the phone over. NO BANK LOGIN. NO ACCOUNT. NO TRACKING - No bank password: Lode never connects to your bank. Payments come from the notifications already on your iPhone. - No account: No sign-up and no email. Open the app and start. - Your iCloud, not our servers: Your data lives on your iPhone and syncs through your own iCloud. - No ads or trackers: Nothing is sold or profiled. AI only sees what you send it, and nothing is stored. START FREE. UPGRADE WHEN YOU'RE READY Core tracking and automatic logging are free forever. Premium unlocks Lode AI, deeper insights and no limits. Know where your money goes. Always. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy