Fixo vs Kakeibo

Stop tracking every coffee. Start understanding your real costs. Fixo isn't a daily expense tracker. It's the app that shows you how much of your income or budget is already committed before you spend a single euro. Add your fixed costs once (rent, subscriptions, insurance, loans) and get an instant, honest picture of your finances. Yearly insurance? Quarterly bills? Monthly rent? Fixo normalizes every billing frequency into one clear monthly view, so nothing sneaks up on you. Why Fixo: - Set it once, see it forever. No daily logging, no receipt scanning - One unified view: yearly, quarterly, and monthly costs converted into a single monthly total - Wallet tracking: assign expenses to the accounts you pay from and see exactly what leaves each one - Emergency fund calculator: plan for 3 to 60 months of essential coverage - Minimal by design. Clean, focused, distraction-free Most people don't overspend on lattes. They lose track of the 15 subscriptions, the annual insurance, the quarterly fees. Fixo makes the invisible visible. Your money. Your clarity. Set it and know it.

Kakeibo – Mindful Budget is a quiet budgeting journal inspired by the Japanese kakeibo habit: plan the month, pause before buying, write things down, and look back. It is not a bank-sync app. You write each expense yourself, and that small moment of writing is what helps you notice where your money goes. PLAN AT THE START OF THE MONTH • Set your income, fixed costs, savings goal and carry-over from last month • See at a glance how much is left to spend this month • Add a short intention for the month • Add recurring expenses such as rent from templates PAUSE BEFORE YOU BUY • Put purchases you are unsure about on your Planned Purchases list • Note why you want it, what makes you hesitate, and a date to decide by • Mark each one bought or skipped; what you did not spend shows up in your monthly review WRITE IT DOWN • Record the amount, date and one of four categories: Needs, Wants, Culture / Learning, Unexpected • Add how it felt (calm, regret, neutral, glad), a note and tags • Search, filter and sort your entries LOOK BACK AT THE END OF THE MONTH • See spending by category, what you chose not to spend, and a comparison with last month • Answer three short questions and keep an open note • Switch months to read your earlier reviews PRIVATE AND CALM • No bank connection, no account, no ads, no tracking • Optional private iCloud sync between your own devices • Face ID / Touch ID lock • A gentle reminder at the hour you choose • CSV export • 41 currencies, your own month start day, dark mode, iPhone and iPad • Sample data to try the app, removable anytime in Settings