ChronoPay vs Cenno

Stop reacting to bills. Start mastering them. This isn’t just another bill tracker. It’s a smarter way to plan, predict, and stay ahead. With powerful forecasting, intelligent payment timing, and a real-time Bill Stress Score, you always know exactly where you stand. No surprises. No scrambling. No late fees. SMART BILL PLANNING WITH PROCESSING TIME Most apps assume payments happen instantly. Real life doesn’t. Add a custom processing time to any bill and guarantee your payment arrives exactly when it needs to. Perfect for slow payers, mailed payments, or services that take days to process. Plan ahead with confidence and never miss a due date again. YOUR BILL STRESS SCORE One quick glance tells you everything. The Bill Stress Score instantly evaluates your current bill situation and upcoming income. Know whether you’re comfortably covered or if action is needed. No spreadsheets. No guesswork. Just clarity. 90 DAY FORECASTING See what’s coming before it happens. Track income, upcoming bills, and projected balances across the next 90 days. Watch your balance trend evolve and make smarter decisions with real financial visibility. SHARED HOUSEHOLD Money is easier when it’s shared. Invite your partner and manage expenses together in real time. Add bills, update payments, and stay aligned without endless messages or confusion. SUBSCRIPTIONS, ORGANIZED Streaming services. Memberships. Recurring charges. All subscriptions live in their own dedicated space so you can review, edit, and manage them anytime. See totals instantly and stay in control of recurring spending. CUSTOM BILL ICONS Make your finances visual. Upload custom icons for bills and subscriptions to personalize your dashboard and make navigation faster and more intuitive. SMART NOTIFICATIONS Only get notified about what matters to you. Choose exactly what you want alerts for and what you don’t. Upcoming bills, due soon reminders, income alerts, and more. Powerful and customizable. PRIVACY FIRST. ALWAYS. Your financial data belongs to you. • No third-party servers • No selling data • No tracking your finances • No accounts required All syncing and backups are powered exclusively by Apple CloudKit and iCloud. Your information stays securely within Apple’s ecosystem and under your control. Designed for simplicity. Built for clarity. Powered by privacy. Download today and take control of your financial flow! Terms of Use: https://steinmetzlabs.com/apps/chronopay/terms.html Privacy Policy: https://steinmetzlabs.com/apps/chronopay/privacy.html

Cenno is an offline expense tracker for iPhone and iPad. No account, no ads and no bank connection required. Record everyday spending while keeping control of your ledger. Start with an amount or an expression such as 24+3.5. Reuse templates, record several entries in a row, attach receipt photos, and search merchants, notes, tags or amounts locally. Keep monthly and category budgets, carry unused amounts forward, and review accounts, credit cards, assets and liabilities. Ordinary bookkeeping includes transfers and refunds linked to an expense. Your ledger is processed on device and is not uploaded to the developer. Free, optional iCloud sync uses your own iCloud container and is off by default. Feedback is sent only when you choose to submit it. Free everyday tracking includes unlimited basic records, budgets, accounts, refunds, iCloud sync, CSV export and restorable backups with receipt attachments. The optional piggy-bank activity records savings from skipping a takeaway; no real purchase or transfer takes place. Optional Cenno Pro adds statement import, multiple ledgers, advanced reports, recurring entries, the reimbursement center and personalization. Choose a yearly subscription or one-time lifetime purchase; current local prices are shown by the App Store. Purchases work on iPhone and iPad. Users who bought version 1.0 receive Pro lifetime in 2.0. Interface: English, Simplified Chinese and French. Light and dark appearance. Requires iOS 17 / iPadOS 17 or later. Privacy Policy: https://cenno.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/