heap vs Monohroshi

============================== STOP WONDERING WHERE YOUR MONEY WENT ============================== heap is a personal finance app built around one simple idea: tracking money should feel fast enough to become a habit. Add expenses, income, transfers, accounts, subscriptions, budgets, and goals in one clean place - then use AI to understand your spending without digging through spreadsheets. [ TRACK MONEY IN SECONDS ] Add transactions manually, with a quick keypad, or just say what happened. heap can turn natural language or voice input into structured expenses, income, transfers, and account drafts, so you spend less time entering data and more time understanding it. [ ASK AI ABOUT YOUR FINANCES ] heap AI helps you work with your own financial data in plain language. Ask questions like: - "How much did I spend on food this month?" - "Where did my money go last week?" - "Create an expense for coffee yesterday." - "How can I reduce unnecessary spending?" Approve AI-created drafts instantly or edit them before saving. [ SEE THE FULL PICTURE ] Track cash, cards, bank accounts, savings, and other balances in one place. Organize transactions by categories, labels, accounts, dates, notes, and transaction type, so your history stays clear even as it grows. [ UNDERSTAND YOUR SPENDING ] heap gives you visual analytics for balance trends, cash flow, spending flow, and category breakdowns. Pick a period, compare where money comes from and where it goes, and spot patterns before they turn into problems. [ STAY AHEAD OF SUBSCRIPTIONS ] Manage subscriptions, recurring bills, rent, utilities, loans, and other repeating payments. See what is upcoming, confirm paid charges, postpone payments when needed, and keep inactive subscriptions out of the way without losing history. [ PLAN BUDGETS AND GOALS ] Use heap to plan monthly budgets, follow spending limits, and stay focused on savings goals - whether you are building an emergency fund, saving for a trip, or preparing for a larger purchase. [ BUILT FOR REAL DAILY USE ] - Fast expense tracking - Voice and text AI input - Accounts and balances - Categories and labels - Transfers, income, and expenses - Subscriptions and recurring payments - Budgets and savings goals - Spending analytics - Personal and shared finances - Local-first tracking with no required bank login [ PRIVATE BY DESIGN ] No complicated bank connection is required to get started. You stay in control of what you enter, what you track, and how you organize your financial life. Whether you need an expense tracker, budget planner, subscription tracker, spending tracker, or an AI finance assistant, heap gives you a faster and clearer way to manage money. Download heap and take control of your finances today.

Know where your money goes, what is safe to spend, and what comes next. Monohroshi is an expense tracker and budget planner for personal, couple, and family finances. TRACK IN SECONDS - Record income, expenses, transfers, and refunds - Split one purchase across categories - Organize transactions with custom categories and tags - Search, filter, and edit multiple transactions at once PLAN AHEAD - Use one monthly budget, category limits, or both - See what is free to spend, a daily allowance, spending pace, and past cycles - Account for upcoming recurring payments before they put a budget over its limit - Schedule rent, subscriptions, salary, and other recurring transactions - Get reminders, optionally create transactions automatically, and find repeated charges in your history - Set savings goals and follow a personalized contribution plan built around your paydays - Start your financial month on the day that matches your salary cycle SEE YOUR WHOLE FINANCIAL PICTURE - Track bank accounts, cash, savings, investments, property, vehicles, loans, and debts - See balances and net worth across multiple currencies - Follow stocks and crypto with automatically updated market prices - Separate personal finances from shared financial spaces UNDERSTAND WHAT COMES NEXT - Explore spending by category, account, tag, or person - Review your savings rate, budget performance, fixed costs, consistency, and financial health score - See a 30-day balance projection based on recurring transactions and usual spending - Try “What if…” scenarios to see how spending cuts could change your future balance, then turn them into budgets - Ask the AI assistant questions about your own financial data MOVE AND SYNC YOUR DATA - Import data from other finance apps - Import bank statements from CSV, PDF, and Excel files - Export your transactions to CSV - Sync securely across your devices - Connect supported banks for automatic balance and transaction updates; Monobank sync is available in Ukraine SHARE WITHOUT LOSING CONTROL Create a financial space with a partner, family, roommates, or a team. Everyone you invite can work with the same accounts and transactions, while your other spaces stay separate. Your data is encrypted in transit and at rest. Protect the app with a PIN and Face ID, Touch ID, or fingerprint unlock. We never sell your financial data. Some advanced features require Monohroshi Pro. Bank sync availability varies by country. Terms of Use: https://app.monohroshi.com/terms Privacy Policy: https://app.monohroshi.com/privacy