DiviBills vs Quiet Budget

DiviBills makes sharing expenses simple, fair, and transparent. Whether you are traveling with friends, living with roommates, or organizing a group event, DiviBills helps you track who owes whom in real-time. Forget spreadsheets and complicated math—just add your costs, and let the app handle the rest. How DiviBills works : Create & Invite Start a group in seconds for your trip, house, or weekend getaway. Invite friends easily via a simple link so everyone can join and track expenses from their own phone. You can also add offline participants to track expenses for those who don't have the app. Add Expenses on the Go Did you pay for dinner? Did your friend pay for the taxi? Log expenses in just a few taps. You can split costs evenly or assign specific amounts to specific people. Multi-Currency Support Ideal for international travel. Enter expenses in any currency (USD, EUR, JPY, etc.). DiviBills automatically converts them to your group's main currency using daily updated exchange rates. Use automatic daily rates, or set a custom exchange rate if you exchanged cash in advance. Settle Up Instantly At the end of the trip or month, check the balance. Our smart algorithm calculates the most efficient way to pay everyone back, minimizing the number of transfers needed. DiviBills focuses on a completely unrestricted experience: - Truly Unlimited: No daily quotas. Add as many expenses and groups as you need without hitting a paywall. Ad-Free Experience: - A clean, professional interface with zero distracting ads. - Full History: Access a complete log of all changes and payments for total transparency. Perfect for : - Roommates: Manage rent, utility bills, and shared groceries seamlessly. - Travelers: Handle group trips without worrying about exchange rates. - Couples & Friends: Keep track of casual lending and borrowing. Get DiviBills today to simplify your shared finances and enjoy unlimited, ad-free tracking.

Budgeting that doesn't shout. Quiet Budget is a calm, manual money tracker, no bank linking, no ads, no notifications nagging you about a $4 coffee. Every transaction goes in by hand, on purpose, so you actually notice where your money's going. The mainstream finance apps want to connect to your bank, parse your accounts, and monetize your data. Quiet Budget does none of that. No bank connections. No ads. No analytics. The app works fully offline with no account at all — your money is your business. WHAT'S INSIDE (FREE) - Manual entry for income, expenses, transfers, and balance adjustments - Multiple accounts — checking, savings, cash, credit cards — all tracked by hand - Category budgets with month-over-month visibility - A "Quiet Money Left" view that tells you what you actually have to spend - Notes on every transaction so you remember why you bought it - Full history with search and filters - CSV export for full data portability - Hide-balances toggle for when you're in public QUIET PLUS (OPTIONAL UPGRADE) - Plan — zero-based budgeting, so every dollar has a job - Save up for big future bills - Savings goals you can actually see progress on - Recurring calendar for payments and subscriptions, so nothing slips through - Trends and deeper insights - Debt payoff tools — watch an extra payment move your debt-free date - Rose theme - Optional account and cloud sync, to keep your budget across devices or share it with a partner Quiet Plus pricing: - Monthly — $2.99 per month - Yearly — $24.99 per year - Lifetime — $69.99, one time Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Lifetime is a one-time purchase and never renews. PRIVACY, FOR REAL Quiet Budget is local-first. With no account, everything stays on your device — nothing is transmitted, and there is nothing for us to collect. There is no advertising, no tracking and no analytics SDK anywhere in the app, on any tier. Only if you choose to turn on the optional account and sync does any of your data leave your device — encrypted in transit and stored in a private space tied to your account. We never sell it, mine it, or advertise against it. You can export everything, or delete your account and its synced copy, at any time from inside the app. WHO IT'S FOR People who tried YNAB, Mint, Monarch, or Copilot and bounced off the complexity or the bank-linking requirement. People who want to be intentional with money without being surveilled. People who like the friction of writing things down because it makes them think. Built solo in Edmonton, Alberta by Echo House Labs. Privacy Policy: https://echohouselabs.com/privacy Terms of Use: https://echohouselabs.com/terms