ChronoPay vs yMoney

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

yMoney is a simple, private money tracker — now grown into a complete personal finance app for daily records, multi-currency accounts, and investment tracking. Keep everything on your device and back up manually to iCloud or Google Drive when you want. Features: Record income & expense with custom categories Add and manage multiple bank and investment accounts, each with multi-currency wallets Set your Home Currency — every report converts consistently across accounts Investment Overview: track Stocks, ETFs, Funds, FX and Fixed Term deposits, with current holdings and unrealized P/L Investment P&L report: realized profit, loss, dividends and interest, by calendar or tax year Balance Sheet report: assets, liabilities and net worth, at cost or market value Monthly & yearly summaries with charts Powerful search across every account, by date range, keywords, and category Reminders for upcoming payments App Lock (PIN / Face ID / Touch ID) Manual backup & restore (iCloud / Google Drive) Optional No Ads via in‑app purchase yMoney does not provide financial or tax advice. All data is user‑entered and stored locally. Support: yitsolutions2020@gmail.com