ChronoPay vs Sable Spend

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

See all your money in one place in less than 5 minutes. Sable links your bank accounts, credit cards, investments, budgets, and savings goals into one beautifully simple money tracker, then helps you make sense of it all. Private by default. AI-powered. Also on web. LINK EVERY ACCOUNT • Securely connect 12,000+ banks across the US and Canada via Plaid — chequing, savings, credit, and investments • Add unlimited manual accounts for anything else • Every balance and transaction, one screen BUDGETS THAT ACTUALLY WORK • Auto-created budgets with real-time spent-vs-limit tracking • Automatic categorization and custom rules sort your expenses for you REACH YOUR SAVINGS GOALS • Set goals and track progress at a glance • Allocate funds and watch every goal grow SEE THE WHOLE PICTURE • Cash flow, spending-by-category, and trend reports • Net worth history across all your accounts • Subscription tracker — spot recurring charges and forgotten free trials • Split transactions, add notes, search and filter instantly ASK YOUR AI MONEY ASSISTANT • Chat with an assistant grounded in your own transactions • "Where can I cut back?" "How does this month compare to last?" • Private by design, with built-in safeguards for your data HALAL FINANCE TOOLS (OPTIONAL) • Zakat calculator with live gold and silver prices for accurate nisab • Ethical spending reports — see spending at flagged companies • Islamic opening reminders to start with the right mindset USD + CAD, DONE RIGHT • Track and convert across currencies with live exchange rates • Auto-detects your currency, manual override anytime BUDGET WITH YOUR PARTNER • Create a household and manage money together • Filter reports by partner — see how you're doing individually and together PRIVATE BY DEFAULT • Your data is encrypted and never sold. Period. • We never see your bank passwords — connections are handled by Plaid and are read-only • AI conversations stay private: never shared, never used for training Sable is a personal finance and budgeting tool, not a bank or financial advisor. Download Sable and take control of your money today. www.sablespend.com Terms of subscription: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/