Expense Tracker vs Kapitallo

An expense and income tracker that starts where your money actually is: the statement your bank already gives you. MoneyFlux reads it on your phone and turns it into a ledger you actually own — spending, subscriptions, debts, net worth, and trading calls, side by side. No sign-up, no ads, no trackers. If you've ever abandoned a finance app because it wanted an account, your email and a linked bank login before it showed you a single number — this one is for you. SIX BANKS, PLUS OFX — FIRST IMPORT FREE • OFX, QFX or QBO from any bank — the standard download many banks offer • MoneyFlux spots the format from the file — PrivatBank and MonoBank CSV, Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF • Recategorize, annotate and tag any row before you commit it • Duplicates are skipped, so nothing lands twice Not affiliated with any bank. Statement import is manual: you export the file yourself and pick it. MoneyFlux never connects to a bank account and never asks for a banking login. LOGGED AS YOU PAY • On iPhone, a Shortcuts automation saves in-store Apple Pay taps to the right account EIGHT CURRENCIES, HONESTLY • UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side • Totals are grouped per currency — never fudged into one figure by an exchange rate the app invented NET WORTH THAT POINTS SOMEWHERE • Capital sorts what you own by direction of cash flow, not by price • Good capital pays you. Bad capital costs you: annual income minus annual holding cost • The same apartment lands on opposite sides depending on whether it is rented out or lived in • Snapshots, growth over time and portfolio health — PREMIUM RECURRING BILLS AND DEBTS, ONE LIST — PREMIUM • Everything you are on the hook for — subscriptions and money lent to real people — with a monthly and an annual total • A banner three days before something charges. A banner when someone is late • Repayment shortcuts, and a forgive flow that closes a loan without erasing its history AUDIT THE TRADER YOU FOLLOW — PREMIUM • Positions is a journal for crypto and trading calls — and a scorecard for whoever's calls you follow • Three records side by side: what was claimed, what his own quoted prices imply, and what your money actually did • It counts the calls that never closed. Most channels do not 63 PRINCIPLES ON MONEY • Short ideas from Franklin, Rockefeller and our own; a paraphrase is never passed off as a quote ANALYTICS AND EXPORT — PREMIUM • Spending analytics with period-over-period comparison • CSV, PDF and a full JSON backup you can restore from, by merge or replace PRIVATE BY CONSTRUCTION • You approve what leaves: a subscription receipt, plus a summary of your totals if you turn the assistant on • Your statement is read on your phone; the file is never uploaded • Records sync to your own private iCloud through Apple's CloudKit, where only you can read them • Face ID lock — and you can delete every record, iCloud copy included, in a tap MONEYFLUX PREMIUM • Free forever: the whole ledger, analytics for one period, your asset list, iCloud sync, the app lock — and your first bank statement import • Premium is every section marked above, starting with every statement after the first • Subscribe once and export stays yours for good — Payment is charged to your Apple Account at confirmation of purchase. — Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. — Manage or cancel anytime in Apple Account Settings. PRIVACY & TERMS Terms of Use (Apple's standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://moneyflux.app/privacy/ QUESTIONS? IDEAS? Email: support@moneyflux.app Or send feedback straight from the app — Settings, then Support. MoneyFlux is a record-keeping tool. It does not provide financial or investment advice.

Kapitallo — учёт расходов и доходов голосом. Скажите «кофе 350» или «такси 500», и трата записана: сумма и категория определяются сами. Одна запись — около трёх секунд, прямо у кассы. ГОЛОСОВОЙ ВВОД Говорите обычными словами. Приложение распознаёт сумму и категорию, вы проверяете и сохраняете одним нажатием. Можно и вручную — как удобнее. ВИДНО, КУДА УХОДЯТ ДЕНЬГИ Итоги месяца, структура расходов по категориям, динамика по дням. Без таблиц и формул. БЮДЖЕТЫ ПО КАТЕГОРИЯМ Поставьте лимит на продукты, кафе или такси — приложение покажет, сколько осталось до конца месяца, и предупредит перед перерасходом. ПОДПИСКИ Все подписки в одном списке с датой следующего списания и напоминанием за день до оплаты. Больше никаких «откуда опять 399 рублей». ДОЛГИ Кто кому должен, сколько осталось вернуть и когда срок. С частичными возвратами и напоминанием. AI-КОНСУЛЬТАНТ Спросите «на что я трачу больше всего?» — ответ по вашим реальным тратам, с подсказками, где можно сэкономить. СЧЕТА И ВАЛЮТЫ Карта, наличные, валютный счёт — у каждого свой баланс. Рубль, белорусский рубль, тенге, сум, сом, лари и другие валюты СНГ. ПРИВЫЧКА, А НЕ ОБЯЗАННОСТЬ Серия дней подряд и награды за постоянство помогают не бросить учёт на второй неделе. ЧТО ЕЩЁ • История с поиском и фильтрами по категориям • Повторяющиеся операции • Экспорт в таблицу • Тёмная тема • Вход по Google, Apple или Яндекс ID Первые 7 дней — полный доступ бесплатно, карта не нужна. Дальше подписка PRO. Условия использования: https://kapitallo.com/offer Политика конфиденциальности: https://kapitallo.com/privacy