Zero Note vs SMSF Buddy

Zero note: Self-destruct shareable encrypted notes Think of it's a way to share one time secrets, one time confidential notes with others that disappears after its been read or based on your self-destruct rules. A secure way to share a private encrypted note that self-destruct automatically based on your own terms: 1. Self-destruct by views 2. Self-destruct by time 3. Whitelist by location, country or anywhere 4. Get notified by email when it is opened by the recipient 5. Accèss Zero Note from anywhere using the keyboard extension. 6. Audit Trail note when it was first seen and last seen.

SMSF Buddy is the privacy-first portfolio tracker and compliance tool built specifically for Australian Self-Managed Super Fund trustees. Whether you manage a single-member fund or a family SMSF with multiple members, SMSF Buddy replaces your messy spreadsheets, scattered notes, and that shoebox of receipts with one clean, secure app that lives on your device and nowhere else. TRACK EVERY ASSET IN YOUR FUND Log and monitor seven asset categories used in Australian SMSFs: - ASX stocks and ETFs with ticker, quantity, and average cost tracking - Precious metals including gold, silver, platinum, and palladium with weight and spot price reference - Physical assets such as art, collectibles, wine, and classic cars - Commercial property with address and rental income tracking - Residential property with monthly yield calculations - Cash holdings including bank accounts and term deposits - Regular contributions with concessional, non-concessional, spouse, and government co-contribution support Every asset records entry date, purchase price, current value, unrealised gain or loss, percentage return, and holding period in days. When you sell or dispose of an asset, record the exit with sale price and date to capture realised gains. STAY ATO COMPLIANT WITHOUT THE STRESS SMSF trustees have serious obligations. Miss a deadline and you risk penalties, non-compliance notices, or losing your fund status entirely. SMSF Buddy keeps you on track with: - Annual compliance checklist pre-loaded with standard SMSF obligations for each financial year - Smart reminders with priority levels, recurring schedules, and overdue alerts - Categories for compliance, audit, tax return, contribution, insurance, investment review, and member statement deadlines - Full audit log recording every change made to your fund data PRO FEATURES FOR SERIOUS TRUSTEES Upgrade to SMSF Pro to unlock advanced tools that save you hours at tax time and give your accountant exactly what they need: - Capital Gains Tax calculator with automatic 50 percent CGT discount for assets held longer than 12 months, plus net taxable gain summary - Contribution cap tracker monitoring concessional and non-concessional limits against current ATO thresholds with warnings when you approach the cap - Multi-member support with individual balances, per-member contribution tracking, and allocation breakdowns for funds with up to six members - Dividend tracker logging income payments and franking credits for accurate tax reporting - Tax lot accounting with FIFO, specific identification, and average cost basis methods - Pension phase and TBAR tracking with minimum drawdown calculations based on member age and ATO percentage tables - Document vault for encrypted on-device storage of trust deeds, meeting minutes, insurance policies, audit reports, and receipts - Live market data connecting to ASX stock prices and precious metal spot rates - PDF report generation producing auditor-ready annual reports, member statements, and CGT summaries - Encrypted backup with password protection so you can save your fund data securely PRIVACY YOU CAN TRUST Unlike other finance apps, SMSF Buddy stores everything locally on your device. There is no cloud sync, no account to create, no data collection, and no analytics. The only network call the app makes is to validate your subscription through Apple. Your fund data never leaves your phone. Optional biometric lock with Face ID or Touch ID adds another layer of security. You can also hide dollar values on screen when reviewing your portfolio in public. BUILT FOR AUSTRALIAN SMSF TRUSTEES SMSF Buddy is designed around the Australian financial year, ATO contribution caps, CGT discount rules, and SMSF compliance calendar. It speaks your language, uses your currency, and understands the specific obligations that come with running your own super fund. Manage SMSF with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/