Mouda vs Savvy

Daily budgeting apps burn you out. Mouda doesn't. Record what you own just once a month, and watch your net worth take shape — not over days, but over years. Knowing where you stand and where you're headed matters more than tracking every coffee. Mouda answers that bigger question. ■ Made for people who • Have tried — and given up on — daily expense tracking • Want the big picture of their wealth, not every transaction • Are tired of adding up balances across banking and brokerage apps • Don't want their financial data living on someone else's server ■ Core features • Monthly asset snapshots At the end of each month, record what you own. No transaction logs, no receipts — just "this is what I have right now." • Ten intuitive categories Real Estate, Savings, Investments, Loans, Gold, Crypto, Pension, Severance Pay, Vehicles, and Other. No complex taxonomy — organize wealth the way you actually think about it. • Automatic net worth calculation Loans are treated as liabilities by default. What you see is your true net position — nothing inflated. • Month-over-month change tracking Every asset shows its change and percentage from last month. See at a glance what grew and what didn't. • Swipe through your history Slide left or right to revisit past months. Compare yourself today to a year ago in a single gesture. • Asset allocation chart (Pro) Visualize your portfolio composition as a clean donut chart. Spot imbalances and rebalance with intent. • Multi-currency support Format values in the currency you use. Hold assets across different markets without mental conversion. • English, Chinese, Japanese, Korean and Hindi ■ Privacy by design All your data stays on your device. Nothing else. No sign-up. No login. No bank account linking. No credentials to hand over — ever. Financial data is among the most sensitive information you own. Mouda was built local-first from day one because we believe it should stay that way. Your assets are yours alone. ■ Five minutes a month, a lifetime of clarity Wealth isn't built from daily spending — it's built from monthly habits. Spend five minutes with Mouda each month recording what you own. In a year, in five years, in ten, the arc of your financial life becomes unmistakable. Start today. Gather your scattered assets — in one place.

If budgeting apps keep losing you by day three, it was never willpower — it was the typing. Savvy takes one line: "coffee 5000". ■ Say it, and it's filed · "lunch yesterday, kimchi stew, 9000" — Savvy sorts out the category, payment method and date for you · Photograph a receipt and your phone reads it on-device — no image leaves your hands · Dictate when your hands are busy, or log straight from the home screen, lock screen and Control Center ■ An AI coach for your spending · Ask "where did most of it go this month?" and get an answer grounded in your own records (3 free per day) ■ Your history, your way · Filter, sort and search to land on any transaction · Calendar heatmap — daily spending and income read as colour depth · Refunds cancel out the original expense, and your month can start on payday instead of the 1st ■ Split the bill, keep the truth · Only your share counts toward statistics — the full amount stays on the record · Turn one transaction or many into thermal-receipt images and share them anywhere ■ Budgets, assets, goals · Monthly budgets overall and per category, with alerts at 70/90/100% — brakes before you overshoot · Track accounts, cash, cards and other assets, and watch net worth move · Recurring income and expenses, with a heads-up the day before · No-spend challenge — build the habit one clean day at a time ■ Built to keep you going · Reminders that quietly skip the days you already logged · Scheduled local backups, and dark mode ■ Privacy by default · No sign-up, no account — there is nothing to create. Install and start · Your ledger lives on this device; only what AI needs to parse is sent · No tracking — we don't use the advertising identifier (IDFA), and we never ask for tracking permission (ATT) · Lock the app with Face ID, Touch ID or your passcode (free, only if you want it) ■ Savvy PRO · No ads · AI coaching up to 10 a day · Theme colours · CSV export Records on your device, tidying by AI. From a loose spending diary to a careful household ledger — consistency is the whole game, and consistency needs ease. Start with the coffee you had today. — Savvy PRO — Available as a monthly or yearly subscription (auto-renewing), or as a one-time lifetime pass. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends, and can be managed or cancelled any time in App Store settings. See the in-app purchase screen and our Terms and Privacy Policy for details.