Margin vs Kairoku

How much can you safely spend today? Margin is a budgeting app that instantly shows how much you can spend today based on your monthly budget and actual spending pace. Skip the complexity of traditional expense trackers and see the number that matters most right away. Quickly record income and expenses, then explore your remaining budget, spending pace, and changes from last month through clear, intuitive charts. Key Features 1. Automatic Daily Spendable Amount Margin calculates how much you can spend today based on your monthly budget, income, expenses, and the number of days remaining. 2. Quick Income and Expense Tracking Record categories, payment methods, dates, and notes. You can also separate transactions included in your budget from those excluded from it. 3. A Monthly Budget Cycle That Fits You Choose the starting day of your monthly budget and review income and expenses on a calendar built around your budget cycle. 4. Fast Transaction Search Quickly find records by note, category, payment method, or date range. 5. Insights at a Glance Analyze spending by category and payment method, review daily expenses and spending pace, and compare cumulative income and expenses with last month. 6. Monthly Trends and Highlights View income, expenses, and remaining budget trends over 3 months, 6 months, or 1 year. See which month had the highest spending and which left the most room in your budget. 7. Payment Method and Target Tracking Organize spending by cash, card, or other payment methods, and monitor transaction history and monthly spending target progress for each one. 8. Recurring Transactions and Expense Settlement Automatically create weekly or monthly income and expense records. Split expenses by 1/N or enter reimbursements so only your actual share is applied to your budget. 9. Widgets and Reminders Check your budget from the Home Screen or Lock Screen. Stay on top of your spending with the monthly comparison widget and daily reminders. 10. Secure Data Management Your data is stored on your device by default. When needed, enable automatic iCloud sync or export your complete income and expense history as a CSV file. Additional Support • Designed for iPhone and iPad • Support for KRW, JPY, USD, and other currencies • Custom categories and payment methods • Dark Mode support • A clean, ad-free experience Margin Pro A single purchase unlocks monthly trends and detailed insights, widgets, recurring transactions, expense settlement, fixed daily allowances, budget carryover, unlimited categories and payment methods, performance reminders, automatic iCloud sync, CSV export, and more. From today’s budget to your long-term spending patterns, manage your money with less stress using Margin.

A simple expense tracker for logging spending the moment it happens. No bank or card linking, no receipt scanning, and no income tracking. Kairoku focuses on one thing: making it easy to keep recording. ■ One-tap presets Coffee, lunch, train. Pin your frequent expenses as presets at the top of Home. One tap finishes the entry—often before you leave the register. Mistakes undo in a moment. ■ Remaining budget front and center Set a monthly budget and Home shows how much you can still spend this month—large and clear. Seeing what’s left, not only what you’ve spent, makes pacing the second half of the month feel natural. Overspending shows plainly in red. ■ Fast manual entry For anything without a preset, enter the amount and pick a category. Amount chips (+100 / +500 / +1000) and your last category keep typing to a few seconds. Memo and date only when you need them. ■ Automatic totals Reports show category breakdowns and day-by-day trends in charts. Compare with the same day last month so you can answer “am I overspending?” right away. ■ Log from widgets Home Screen widgets show remaining budget and presets. Record directly from a widget button without opening the app. ■ Built to help you stick with it ・Optional daily reminder notifications (set any time) ・Add your own categories and rename them; hide ones you don’t use ・Light and Dark Mode ■ Peace of mind All records stay on your device. No account is required, and your expense logs are never sent off the device.