Moneta vs Zero

Moneta answers one question fast: how much can I still spend this month? Set your monthly allowance, split it into envelopes like groceries, dining out and gas, and log expenses as they happen. Moneta shows what is left in every envelope, plus a daily amount that keeps you on track until payday. START ANY DAY OF THE MONTH Downloaded Moneta on the 20th? Start from today. Your first budget covers only the days left in the month, so it is right from day one. Fixed bills like rent stay whole. WHAT YOU CAN DO - See what is left to spend, for the month and for each envelope - Get a daily spending amount that adjusts as you go - Keep fixed bills apart from flexible spending - Log an expense in seconds, with an optional note - Search and edit your history, day by day - Track money people owe you: loans, split bills, reimbursements - See monthly trends and all-time totals - Pick your currency BUDGET TOGETHER Share a budget with a partner or roommate and see the same envelopes on both phones. With Moneta Premium you can keep more than one budget and invite people. The people you invite do not need Premium to join. PRIVATE BY DESIGN No bank login and no linked accounts. You decide what goes in. Start right away in guest mode with your data on this device, or sign in with Apple or Google to sync and back up. Export a backup whenever you want. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.