4Budget vs Skurda

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.

Subscriptions, utility bills, rent, insurance, taxes, loan payments — and now everything you spend day to day, too. The expenses that come back every month are the ones that weigh most on your budget; the daily ones are the easiest to lose track of. Skurda keeps them all in one place. Add a recurring expense once and say how often it repeats. From then on the app does the rest: it works out every future due date, tells you what it costs per month and per year, and warns you before each payment. DAILY EXPENSES, FOUR WAYS TO LOG THEM • Automatically when you pay with your phone or, from iOS 27, from your bank's or card's payment notifications: an automation you set up once, in one tap on iOS 27 (your first 5 payments are free) • By snapping a photo of the receipt: store, amount and date fill themselves in, and the photo is never saved anywhere • From a screenshot: take it, share it with Skurda, and the expense is already filled in • By hand, in a few seconds BUDGET AND GOALS Set a monthly budget and Home shows how much you have left, or how far over you went. With goals you save up for a trip or your car insurance: at the start of each month Skurda asks whether to set aside what's left over. And if you pay some expenses from a joint account, you see how much comes out of it and how much out of yours. WHAT YOU GET • Flexible recurrences: daily, weekly, monthly or yearly, with custom intervals (every 2 months, every 3 weeks, every 6 months) • Monthly and yearly totals always in view • A calendar of upcoming due dates, month by month • Charts by category and trends over time, so you can see where your money goes • Built-in categories you can edit or delete, or your own with custom colors and icons — learned automatically from the merchant name when you pay by phone • Pause an expense without deleting it, and keep a history of amounts for variable bills like electricity and gas • A catalog of the most common expenses: pick yours with a tap on first launch, no typing needed REMINDERS YOU WON'T MISS Choose how many days ahead you want to be reminded, globally or expense by expense, and at what time of day. Straight from the notification you can snooze by three hours, by a day, or until next week. Reminders are free for everyone. WHERE YOU CAN SAVE Skurda looks at your expenses and points out real opportunities: overlapping streaming services, duplicate subscriptions, price increases compared with previous months, monthly subscriptions that would cost less paid yearly, and expenses you paused in the app but are probably still being charged for, because pausing here doesn't cancel anything with the provider. ALWAYS WITHIN REACH Home Screen widgets show your next expense due, what you've spent today and what's left of your budget. With Siri you can add a recurring or daily expense just by speaking, without opening the app. YOUR DATA STAYS YOURS No account required, no bank connection, no ads. Your data lives on your iPhone and syncs only to your own private iCloud. Receipts are read on your phone and never saved anywhere. SKURDA PRO The free version includes everything essential for recurring expenses, up to 10, plus up to 20 everyday expenses a month, by hand or from a receipt, the monthly budget and one goal. Your first 5 phone payments log themselves even without Pro, so you can try the automation. Skurda Pro unlocks unlimited recurring expenses, unlimited everyday expenses, automatically when you pay with your phone or from a screenshot, more goals, travel mode that converts payments made abroad, the annual savings report, and import and export in Excel and CSV. Privacy Policy: https://dontknowif.github.io/spese-ricorrenti/privacy.html Terms of Use: https://dontknowif.github.io/spese-ricorrenti/terms.html