ChronoPay vs Allo

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

Allo turns your monthly spending target into one clear daily budget. See what you can spend today, stay on pace through the month, and watch the money you don’t spend add up. HOW IT WORKS Enter your monthly take-home income and choose how much you want available to spend. Allo turns that into a single daily number: what’s left to spend today. Connect supported bank notifications through Shortcuts and Allo can capture purchases automatically. Clear purchases are logged with their amount and merchant, while anything uncertain stays ready for you to review instead of being guessed. Allo remembers confirmed merchant categories, supports your own keyword rules, and, on eligible devices, can use Apple Intelligence on-device to categorize unfamiliar merchants. Not on iOS 27 yet, or prefer not to use Shortcuts? You can add and edit purchases manually at any time. WATCH THE LEFTOVER ADD UP Come in under your daily budget and Allo tracks the difference. Go over on another day and your running total adjusts with you. The Saved view shows how much spending money has made it through completed days, alongside the amount already reserved by your monthly plan, so you can see what you’re on track to save. SEE WHERE IT WENT See your monthly spending pace, category totals, purchase history, and money left over without maintaining a separate budget for every category. SPLIT PURCHASES FAIRLY If someone pays you back, record the repayment directly on the original purchase. Allo keeps the full charge for your history but counts only your final share toward your spending. WIDGETS AT A GLANCE Home Screen and Lock Screen widgets keep today’s budget visible without opening the app. CATEGORIES Groceries, Dining, Transport, Shopping, Bills, Subscriptions, Health, Entertainment, Travel, Home, Personal Care, Other. PRIVATE BY DESIGN Your budget settings, purchases, repayments, categories, and captured bank-alert text are stored locally on your device. Merchant classification uses Apple’s on-device model when available. Allo has no account system, advertising SDK, analytics SDK, or app backend. Requires iOS 18 or later. Automatic bank-notification capture requires iOS 27 or later. On-device merchant classification requires iOS 26 or later, an eligible device, and Apple Intelligence enabled.