4Budget vs Pace

4Budget is a simple personal budget app. No account, no subscription, no ads — just a clear, focused tool for your monthly finances. Everything stays on your iPhone. Now in five languages. 4Budget speaks English, German, French, Spanish and Italian. It follows your iPhone's language; to change it, open Settings > Language in the app. Amounts, dates and the first day of the week follow your region. See everything at a glance. The dashboard shows how much of your income is left, with a utilization ring, plus income, expenses and savings and a category breakdown, all in one view. Track every recurring expense. Add rent, insurance, subscriptions, groceries — anything that leaves your account regularly, from every month up to every 120 months. 4Budget converts each one to a monthly cost, so you always know where your money goes. Plan ahead with the calendar. See upcoming payments on a monthly calendar. Tap a day to see exactly which expenses are due, so nothing catches you off guard. Forecast your future. The Monthly Cost view shows 6-month and 12-month forecasts with your peak and lowest month, a financial snapshot and an annual projection. Get real insights. See your spending by category in a donut chart, your top 5 expenses, your budget utilization and quick stats. Separate savings from spending. Mark each category as expense or savings for an honest picture: not only what goes out, but what you put aside. Export and share. Create PDF reports of your dashboard, your yearly expenses and your expense list. Export to CSV for spreadsheets. Create and restore backups any time; the app also makes one automatically about once a week. Make it yours. Choose from more than 140 world currencies. On a fresh install, 4Budget starts with your region's currency. Create custom categories with your own colors. Key Features: • Dark interface designed for readability • Dashboard with utilization ring, income, expenses, savings and money left • Recurring expenses with flexible intervals (1–120 months) • Monthly calendar with tap-to-filter day detail • 6-month and 12-month payment forecasts with charts • Financial snapshot with expense, savings and free percentages • Spending by category donut chart and top 5 expenses • PDF export for dashboard, yearly report and expense list • CSV export for spreadsheets • Automatic weekly backups and manual backup/restore • English, German, French, Spanish and Italian • More than 140 world currencies • Custom categories with color coding • Active/inactive expenses with end dates • All data stays on your device — no account required 4Budget is built for people who want a no-nonsense budget tool without the complexity of full-blown finance apps. Your data, your device, your budget.

Most budgeting apps show you a balance. Pace shows you the truth: one honest number that tells you what's actually safe to spend today - after your bills, savings, and goals are already accounted for. No more mental math. No more "I thought I had more than that." No more overdraft surprises three days before payday. THE DAILY SAFE-TO-SPEND NUMBER Every morning, Pace looks at what's coming - rent, subscriptions, that annual renewal you forgot about, the money you're setting aside for your goals - and quietly subtracts it first. What's left is yours to spend today, guilt-free. It's the difference between hoping you're okay and knowing you are. SEE YOUR MONTH BEFORE IT HAPPENS Cash-flow projections show the shape of your month ahead - the tight weeks, the safe weeks, the day a big bill lands. Plan around real life instead of reacting to it. BUDGETS & ENVELOPES THAT ACTUALLY FIT Create unlimited budgets and envelopes for groceries, gas, dining, kids, travel - however your money really moves. Give every dollar a job and watch each category breathe through the month. SMART REVIEW, NOT BUSYWORK Pace flags the transactions worth a second look and lets you clear them in seconds. Stay on top of your spending without living in a spreadsheet. CALENDAR VIEW See bills and income laid out by date, so payday and due dates never sneak up on you again. BUILT PRIVATE, BUILT TO TRUST Pace is local-first and encrypted. Start tracking in minutes with no bank login required - your numbers stay yours. Add multi-account sync and encrypted backup when you want them, and share a household budget with a partner without handing over your logins. WHY PEOPLE STAY WITH PACE - One clear safe-to-spend number, every single day - Bills and goals funded first, automatically - Cash-flow projections that see the month ahead - Unlimited budgets and envelopes - Smart review of flagged transactions - Calendar view for bills and income - Multi-account sync + encrypted backup - Private, local-first, no bank login to start - Household sharing for couples and families The real cost of budgeting by vibes isn't the latte - it's the overdraft fee, the surprise renewal, the quiet stress of never quite knowing. Pace replaces the guessing with one number you can trust. Download Pace and see your safe-to-spend today. MEMBERSHIP Pace offers a 7-day free trial, then $19.99/month or $79.99/year. Your subscription unlocks unlimited budgets, cash-flow projections, multi-account sync, encrypted backup, and household sharing. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://arioapps.com/terms Privacy Policy: https://arioapps.com/privacy