Pockly vs Pace

Pockly is the smart expense tracker that doesn't just record, it tells you where you're headed BEFORE it's too late. SMART FORECAST Every month Pockly analyzes your habits and predicts how much you'll spend by month-end, category by category. Don't wait until the 31st to discover you've blown your budget. PERSONALIZED AI INSIGHT Your personal financial assistant. Every month, receive AI-powered analysis based on your real data: where you're overspending, where you can save, what's changing. UNDERSTANDS YOUR PATTERNS Spending heatmaps, cumulative trends, analysis of your most expensive days. Stop guessing — start understanding. BUDGET THAT WORKS Set a total or per-category budget. Pockly warns you before it's too late, not after. SIMPLE TO USE Add an expense in 3 seconds. No bank sync, no permissions, no complications. WHAT YOU GET: • Unlimited expense tracking • Total & per-category budgets • AI Smart Forecast (Pro) • Monthly personalized analysis (Pro) • Heatmap & advanced analytics (Pro) • CSV export (Pro) • Automatic recurring expenses • Daily reminder • Light & dark mode • EUR, USD, GBP support Start free. Upgrade when you're ready. Developed by Angaca Labs. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Most budgeting apps show you a balance. Pace shows you the truth: one honest number that tells you what's actually safe to spend today - after your bills, savings, and goals are already accounted for. No more mental math. No more "I thought I had more than that." No more overdraft surprises three days before payday. THE DAILY SAFE-TO-SPEND NUMBER Every morning, Pace looks at what's coming - rent, subscriptions, that annual renewal you forgot about, the money you're setting aside for your goals - and quietly subtracts it first. What's left is yours to spend today, guilt-free. It's the difference between hoping you're okay and knowing you are. SEE YOUR MONTH BEFORE IT HAPPENS Cash-flow projections show the shape of your month ahead - the tight weeks, the safe weeks, the day a big bill lands. Plan around real life instead of reacting to it. BUDGETS & ENVELOPES THAT ACTUALLY FIT Create unlimited budgets and envelopes for groceries, gas, dining, kids, travel - however your money really moves. Give every dollar a job and watch each category breathe through the month. SMART REVIEW, NOT BUSYWORK Pace flags the transactions worth a second look and lets you clear them in seconds. Stay on top of your spending without living in a spreadsheet. CALENDAR VIEW See bills and income laid out by date, so payday and due dates never sneak up on you again. BUILT PRIVATE, BUILT TO TRUST Pace is local-first and encrypted. Start tracking in minutes with no bank login required - your numbers stay yours. Add multi-account sync and encrypted backup when you want them, and share a household budget with a partner without handing over your logins. WHY PEOPLE STAY WITH PACE - One clear safe-to-spend number, every single day - Bills and goals funded first, automatically - Cash-flow projections that see the month ahead - Unlimited budgets and envelopes - Smart review of flagged transactions - Calendar view for bills and income - Multi-account sync + encrypted backup - Private, local-first, no bank login to start - Household sharing for couples and families The real cost of budgeting by vibes isn't the latte - it's the overdraft fee, the surprise renewal, the quiet stress of never quite knowing. Pace replaces the guessing with one number you can trust. Download Pace and see your safe-to-spend today. MEMBERSHIP Pace offers a 7-day free trial, then $19.99/month or $79.99/year. Your subscription unlocks unlimited budgets, cash-flow projections, multi-account sync, encrypted backup, and household sharing. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://arioapps.com/terms Privacy Policy: https://arioapps.com/privacy