OurBudget vs Shared Wallet

OurBudget is the family budgeting app that brings everyone together around smarter spending. Get a clear, real-time picture of where your money goes — and where it should go next. TRACK EVERY DOLLAR, TOGETHER Add expenses and income in seconds. Assign each transaction to a family member and category. Support for multiple currencies with automatic exchange rates means OurBudget works wherever life takes you. SMART BUDGETS Set monthly budgets by category — groceries, dining, transport, and more. Get alerts when approaching your limit. Budgets roll forward automatically each month. SAVINGS GOALS Create shared savings goals and watch progress grow together. Link transactions to goals and celebrate milestones. Set fixed targets or percentage-based goals tied to income. CAPITAL CHART See your financial trajectory — current balance, projected income on payday, and upcoming expenses. Know exactly where you'll stand this month or next. BUILT FOR FAMILIES Role-based access for the whole household: • Parents: full control over budgets, goals, and settings • Teens: view and add transactions, track goals • Children: simplified dashboard with savings progress COPPA-compliant parental controls included. DAILY SAFE-TO-SPEND Know how much you can spend today without breaking your budget, calculated from remaining income, upcoming bills, and days until payday. RECURRING TRANSACTIONS Salary, rent, subscriptions — set up once and OurBudget projects them automatically. Set an end date or repeat indefinitely. SMART INSIGHTS Actionable alerts for spending trends, category anomalies, budget warnings, savings rate, and subscription detection. MULTI-CURRENCY Automatic conversion using real-time ECB exchange rates. Enter amounts in any currency. LOCK SCREEN WIDGETS See spending, budget, and days remaining right on your Lock Screen and Apple Watch. CHARTS & CALENDAR Daily cash flow, category breakdown, budget adherence, savings rate, and a transaction calendar — all beautifully visualized. YOUR DATA, YOUR CONTROL Export to CSV. Delete data anytime. No ads. No data selling. Privacy policy viewable in-app. Available in English, Romanian, and French. FREE: 2 members, 3 budgets, 1 goal, 1 currency PLUS: Unlimited budgets, 5 goals, 5 currencies, CSV export FAMILY: 8 members, unlimited everything Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

▼ Title Shared Budget for Two – Simplify Splitting Expenses ▼ Description Make splitting money between two people simple and stress-free. “Did I pay more on my credit card this month?” “So how much should I transfer in the end?” “How much do we need to put into our shared account?” You don’t need to spend time on these conversations anymore. Shared Budget for Two is a simple app that automates monthly expense settlement for couples. Just enter your expenses, and the app automatically calculates who should pay how much and where to transfer it. No complicated math. No spreadsheets. Let the app handle everything—and spend your time on what really matters. ▼ Recommended For Couples who spend too much time settling monthly expenses Those who use separate credit cards and find calculations complicated People who cover shared costs like rent or utilities in advance Couples who split expenses unevenly (not 50:50) Those with a shared account who want to know exact deposit amounts Anyone tired of using spreadsheets or calculators People looking for a simple app with no account registration required ▼ Key Features Quick Expense Entry Categorize expenses into three types: Person 1, Person 2, or Shared Account. Even within credit card payments, you can separate personal purchases and shared expenses—ensuring fair calculations even when they’re mixed. You can also save frequently used payments as presets, such as monthly rent or credit card bills. With presets, recurring entries can be added with just one tap. Flexible Split Ratios Not every couple splits expenses equally. Set a custom ratio from 0% to 100% for Person 1 based on your income or lifestyle. Once set, all calculations are automatically adjusted. Automatic Settlement Calculation Simply enter expenses and open the “Results” tab to see everything calculated instantly. Personal Payment Balancing The app calculates how much each person has paid versus how much they should have paid based on the ratio. Instantly see who has overpaid and by how much. Per-Account Deposit Calculation For each account, the app calculates how much each person needs to deposit, considering total expenses, current balance, and buffer amount. If the balance is sufficient, no deposit is required. You can also round amounts (e.g., to the nearest 100 or 1000). Expense Breakdown Visualization View your monthly expenses in a donut chart. Easily understand the balance between personal and shared spending. Monthly History Navigate past months and review previous settlements. You can also edit or delete past entries anytime. Theme Customization Change the app’s main color to suit your preference. Automatic Data Saving All data is stored locally on your device. Even if you close or restart the app, your data remains محفوظ. ▼ How It Works STEP 1 Initial Setup (one-time) Set names and expense ratio. Optionally register accounts and presets for faster input later. STEP 2 Add Monthly Expenses Enter expenses once your credit card statements are finalized. With presets, it takes just one tap. STEP 3 Check Results and Transfer Open the “Results” tab and enter current account balances. The app instantly shows who needs to pay how much. Just transfer, and you’re done. ▼ Privacy First All data is stored only on your device. No data is sent to external servers. No account registration required. Works even offline. Your financial data stays private and secure. Make managing money as a couple simpler and fairer. Start a stress-free financial life together today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://aquapeakstudio.com/privacy-policy