BudgetArk vs Charoite

BudgetArk is a free, private, open-source personal finance app built for people who want control without subscriptions, ads, or account signups. Track your money in one place: - Debt tracking with progress insights - Budget planning by category - Investment projection tools - Flexible currency and locale formatting - Couples-friendly debt ownership and payoff planning Privacy first: - No sign-up required - No cloud account required - Data stored locally on your device - Export and import your data whenever you want Debt tools that help you take action: - Avalanche and Snowball payoff strategies - Separate debt types for smarter Snowball ordering - Owner tags (Mine, Partner, Joint) - Bulk debt type review tools Budgeting made practical: - Fast entry flow with month selection - Categories including Grocery, Restaurant, Tech, Giving, Retirement, and Investing - One-time helper to split older Food entries into Grocery or Restaurant Built with the community: BudgetArk is open source, and your feedback helps shape what comes next. You can suggest feature ideas and improvements through the project repository and support channels. Whether you’re paying down debt, building better habits, or planning long-term wealth, BudgetArk keeps your financial data private and your workflow simple. Issues: let me know at https://github.com/RickeyNet/BudgetArk/issues Feature requests: Suggest ideas at https://github.com/RickeyNet/BudgetArk/discussions

Charoite is the personal finance app built for everyone. With a rich set of features and a focus on privacy, you can track your finances with confidence. Bring your own data provider and Charoite will automatically sync & categorize transactions, removing the need for spreadsheet management. Charoite executes completely on device and utilizes iCloud as its method of device syncing so you get the most privacy possible. Household sharing is also supported with per account selection allowing you to share just the accounts you wish with anyone with an iCloud account. We aim to make tracking finances as easy and affordable as possible so that everyone can benefit. Features: - Your Finances in One Place - Sync account transactions across thousands of institutions in a secure, read only manner with SimpleFIN Bridge. Get both a bird's eye and in depth view on all your accounts. - Categorize & Budget Transactions - Charoite will automatically categorize your transactions so you can create budgets and plan your spend. Don't like them? Create custom ones! - Private at Its Core - Charoite processes everything on device and only uses iCloud for data storage, meaning you get the best of Apple's privacy & security guarantees. We will never sell your data as we neither want to, nor can we even see it. - Collaborative Finances - Want to share your finances? Invite anyone with an iCloud account and share the accounts that you wish. Pricing: - Zero Ads - We don't want to embed anything that might read your information nor take advantage of it. - Try for Free; Buy Once - Try Charoite free for seven days. If it works for you, make one purchase to unlock the full iOS app - no recurring Charoite subscription. Connecting accounts through SimpleFIN Bridge requires a separate paid subscription purchased directly from SimpleFIN. SimpleFIN sets its own pricing and availability, which may change.