Dudget vs Summo

Dudget is a simple, private budget app for iPhone. No bank login. No tracking. No $99/year price tag. Set it up in 90 seconds. Add a transaction in 4 taps. Know exactly how much you can safely spend today. WHY DUDGET? - Manual entry, not bank sync. Works in 90+ countries, including the ones Plaid forgot. - Multi-currency. Travel, expat, or just send money home? Set any ISO currency. Give each budget its own currency, 30+ supported. - Offline-first. Subway, airplane, no signal: Dudget never blanks out. - Private by design. Your transactions live in an encrypted database on your phone. We don't have a server. - Free forever. The full safe-to-spend experience is free. Pro adds extras for $24.99/year, about a third of what other budget apps charge. THE 90-SECOND SETUP 1. Tell us your monthly income. 2. Pick the categories you spend on (food, transport, rent, the usual). 3. Done. Start logging transactions and watch your safe-to-spend update in real time. No bank login. No 30-step onboarding. No "connect your accounts" screen that fails halfway. THE DAILY LOOP Open the app. See the one number that matters: your safe-to-spend. Coffee for $4.50? Tap +, type 4.50, tap Coffee. Done in 4 taps, about 10 seconds. The number updates instantly. Made a category mistake? Long-press, tap, fix. Dudget remembers it for next time. WHAT'S INCLUDED FREE - Unlimited transactions - Custom categories - Safe-to-spend hero number - Rollover budgeting - Period transitions (weekly, monthly, custom) - CSV export - Biometric / PIN lock - Encrypted local storage WHAT PRO ADDS ($24.99/yr) - Multi-budget (separate "household" and "side hustle" budgets) - Multiple currencies side by side - Custom emoji categories - Charts and trends - Encrypted cloud backup (coming soon) - Couples sharing (coming soon) PRIVACY, ACTUALLY Other budget apps make money from your transaction data. Dudget doesn't have any of your transaction data. It can't: it lives on your phone, encrypted, and our server doesn't exist yet. Read our full privacy policy at dudget.app/privacy. PRICING Free forever. Pro is $24.99/year, and we use regional pricing so it's affordable in the Philippines, India, Brazil, Nigeria, and other countries where $24.99 doesn't make sense. QUESTIONS? Email support@dudget.app. A real human (the founder) reads every message. SUBSCRIPTION TERMS Pro auto-renews annually unless cancelled at least 24 hours before the end of the period. Manage subscriptions in iOS Settings > Apple ID > Subscriptions. Privacy Policy: https://dudget.app/privacy Terms of Use: https://dudget.app/terms Support: support@dudget.app

Summo makes personal finance simple. Track your spending, manage budgets, and stay on top of credit card payments — all synced across your devices with iCloud. TRACK EVERYTHING • Record income, expenses, and transfers in seconds • Organize with categories, tags, and remarks • Support for multiple accounts and currencies • Recurring transactions auto-generated on schedule CREDIT CARD MANAGEMENT • Payment reminders with due date countdown • Statement-based balance tracking • Credit limit usage warnings BUDGETS THAT WORK • Set monthly budgets per category • Visual progress bars with overspend alerts • Rollover unused budget to next month INSIGHTS AT A GLANCE • Monthly summary with income, expense, and balance • Category breakdown with pie charts • Daily spending trends and monthly comparisons • Drill into any category for weekly/daily detail APPLE PAY AUTO-TRACKING • Automatically log Apple Pay transactions via Shortcuts • Smart merchant recognition and category mapping • Review and approve new merchants HOUSEHOLD SHARING • Share finances with family members via iCloud • Each member tracks their own spending • Combined household view BUILT FOR PRIVACY • All data stored in your personal iCloud — we never see it MORE FEATURES • iCloud sync across iPhone and iPad • CSV export for spreadsheets • Dark mode support • Available in English, Chinese, Japanese, and Korean Terms of use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/