Pay Track vs PennyTheWise

Pay Track answers one question, and answers it well: what do I owe, and when? Not a budget app. Not an expense tracker. No bank login, no receipts to photograph, no spending charts telling you what you already spent. Pay Track looks forward — at the rent, the subscriptions, the car installments, the school fees — so nothing lands on you by surprise. SEE THE YEAR AHEAD Twelve months at a glance, so you know which months are heavy before they arrive. Tap any month to see exactly what falls in it. Quick cards show what's due in the next 30 and 90 days, so a quarterly installment never slips past a quiet month. EVERY KIND OF PAYMENT • One-time — a bill, an invoice, a single due date • Recurring — weekly, bi-weekly, monthly, quarterly, semi-annually or yearly • Installments — a plan with its own amount and date per installment, including uneven schedules A progress ring shows how much of a plan you've actually paid by amount, not just how many payments you've ticked off. YOUR HOME SCREEN, WITHOUT OPENING THE APP A widget in three sizes, with countdowns that advance on their own each day. Small leads with your next payment; medium and large show upcoming payments. Dark mode included. REMINDERS THAT ARRIVE ON TIME Choose same day, one day, or three days before. Set them per payment or let the default handle it. STAY ORGANIZED • Categories with your own emoji and colours • History grouped by month, quarter or year, each with its own total • Export what's coming as PDF or CSV • Attach a receipt to any payment • Available in English, Arabic, German, Spanish, French, Hebrew, Italian, Japanese, Portuguese and Turkish PRIVATE BY DESIGN Your payments sync across your devices through your private iCloud account. No account or sign-up is required. Terms of use: https://troubled-camp-754.notion.site/Pay-Track-Terms-and-Conditions-319f4defd85b8089968ce4123eaabcd2 Privacy policy: https://troubled-camp-754.notion.site/Pay-Track-Privacy-Policy-319f4defd85b80e19350e1d7e00315f7

Your brain lies to you. That "must-have" feeling? It fades. Pennywise proves it — every time. HOW IT WORKS Log the thing you want to buy. Pennywise starts a countdown (24, 48, or 72 hours — your choice). When the time is up, we ask one question: do you still want it? Most people don't. SEE THE REAL PRICE TAG Enter your salary and Pennywise converts every price into hours of your life. That 1,399 SAR headset? 17 hours of work. That 27 SAR matcha? 20 minutes. Prices hit different when you measure them in time. THE THINKY JAR Every impulse goes in the jar. Watch them cool off. Decide when you're ready. Pass on the ones that don't matter. Keep the ones that do — guilt-free. NO JUDGMENT Buying something after waiting isn't a failure — it's an intentional choice. Pennywise celebrates both: the money you saved and the purchases you made thoughtfully. Pennywise is not a budgeting app. It's an impulse killer that lives offline on your phone.