Vaulty vs Payto

Vaulty shows where your money goes, finds the subscriptions you forgot about, and tells you what's safe to spend today. Log a purchase in two taps, or let Apple Pay and your bank do it for you. No spreadsheets, no typing. EXPENSES THAT LOG THEMSELVES • Apple Pay: a one-minute Shortcuts setup records every tap automatically • Monobank: connect your cards and new payments arrive already sorted (read-only, your token never leaves your iPhone) • Bank import: bring your history from PrivatBank or an Excel (.xlsx) export from most banks • Quick add: a fast keypad, a Lock Screen widget, or just ask Siri to "log an expense in Vaulty" FIND FORGOTTEN SUBSCRIPTIONS Vaulty spots recurring payments in your transactions and shows: • Every active subscription and what they cost you a month and a year • What's charging next, on a monthly timeline • Price increases, and how much more they cost you a year • Subscriptions that look stopped • "What if": see how much you'd save by dropping one Get a reminder the day before each charge, so you can cancel in time. BUDGETS THAT KEEP UP Set a monthly budget and Vaulty turns it into a daily number. See whether you're on pace, running hot or over, and the date you'd pass your limit at this rate. Add limits for each category and get an alert at 80% and the moment you go over. CAN I AFFORD IT? Type in a price and get a clear Yes, Maybe or No, based on your budget, the bills still ahead and the days until payday. INSIGHTS AT A GLANCE • Total balance across all your accounts and cards • Income vs. expenses and money flow • Month forecast: where you'll land by the end of the month • Fixed vs. flexible spending, and what changed since last month • Category and tag breakdowns, weekday patterns, and a calendar heatmap of spending by day Rearrange or hide any card so your dashboard shows what matters to you. TRIPS, PARTIES AND EVENTS Start an event, like a trip, a wedding or a move, and Vaulty tags every purchase while it's on. When it's over, see what it really cost. WIDGETS • Safe to spend: what you can spend today and stay on track • Next subscription: your next charge and what comes after • Quick add: log an expense right from the Lock Screen PRIVATE BY DESIGN • Your data is stored on your iPhone • Lock Vaulty with Face ID, Touch ID or your passcode • Blur the app in the app switcher and hide amounts in widgets MADE FOR EVERYDAY LIFE Multiple accounts and currencies with automatic conversion, custom categories and tags, a daily check-in reminder, and dark mode. Available in English, Ukrainian, German, Polish and Spanish. VAULTY PRO Unlock month forecasts, category budgets, renewal and budget alerts, every Monobank card, Apple Pay on all your cards, backup and export, and unlimited categories, tags and charts. Know your spending. Control your subscriptions. Start today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://wsp-games.com/game/vaulty/privacy

Track your spending, grow your savings. Just say it out loud. AI sorts the category and saves it instantly. Every day, AI analyzes your habits and cheers you on. [ Record by Talking ] Say "lunch 7 dollars" or "three items at the convenience store." Speak or type naturally, and AI figures out the amount, category, and date. No need to pick a category yourself. [ Choose Your AI Personality ] Pick from 6 styles that match your vibe. Friendly Coach - warm encouragement Devil Mode - harsh truth when you need a push Strict Teacher - focused on hitting your goals Best Friend - relatable, casual, and real Wall Street Trader - ROI and opportunity cost breakdowns Minimalist - numbers and facts only Ask anything. How much did I spend on coffee this month? If I save 300 dollars a month, how much will I have in a year? Your AI answers right away. [ Monthly AI Deep Analysis ] Find out where you spent the most and where you wasted money. Get a full report with category breakdowns, last month comparisons, and saving tips. [ Together With Family and Partners ] Manage finances together with your partner, roommate, or family. Join with a single invite code and see who spent what in real time. [ Key Features ] - Voice and natural language input - AI chat assistant - Daily AI insight card - Monthly AI deep analysis report - 150+ detailed spending categories - Automatic fixed expense tracking - Monthly budget and reminder alerts - Installment payment tracking - Shared budget (invite members) - Dark mode [ Free to Start ] Core features are completely free. Start today and find out exactly where your money is going. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://payto.work/privacy