SBLO vs Konto

SBLO helps you manage your personal finances in one place. Track income, expenses and subscriptions, plan upcoming payments and see how close you are to your savings goals. TRACK INCOME AND EXPENSES Record a transaction in seconds. Add a category, note, date and amount, then search and filter transactions by date, category, description or amount. See your current balance as soon as you open the app. UNDERSTAND YOUR SPENDING See where your money goes. SBLO groups your expenses by category and shows you charts and statistics so you can spot spending patterns and decide where to cut back. SET SAVINGS GOALS Create one or more goals and track your progress over time. Whether you’re saving for a trip, a major purchase or an emergency fund, you can see how much you’ve saved and how far you have to go. CREATE SAVINGS POTS Create your own savings pots, add or withdraw money whenever you need to, and check how much more you need to reach each goal. PLAN INCOME AND EXPENSES Set reminders for one-off and recurring income and expenses. Plan ahead for payday, rent, bills, subscriptions and other commitments, and get notified when a payment is due. SCAN RECEIPTS WITH SBLO PRO Scan receipts with your camera. SBLO detects the amount, retailer and date, then links the information to the corresponding transaction so you can find it later. SMART CALCULATOR Compare financial scenarios. Estimate monthly loan repayments, interest and total borrowing costs, see how much you have left after expenses, and work out how much to set aside to reach a savings goal. MANAGE LOANS Add your existing loans and track paid and upcoming instalments, outstanding balances and due dates. Keep personal loans, mortgages and salary-backed loans organised in one place. TRACK SUBSCRIPTIONS See what your active subscriptions cost each month and each year. Spot services you rarely use and decide which ones to keep. FINANCIAL NEWS, PARTNERS AND OFFERS Read selected news on saving, personal finance and the economy. Explore offers, products and services from selected partners. LANGUAGES, CURRENCIES AND WIDGETS Use SBLO in Italian, English, Spanish, French or German. Choose a currency for your summaries and see converted amounts in your balance, calendar and shared expenses. Access loyalty cards or log transactions, including by voice, from your iPhone Home Screen. With SBLO PRO, you can also personalise your balance card with additional colour palettes. Download SBLO for free and start building a clearer picture of your money, one transaction at a time. SBLO is developed in Italy by D’Angelo Finance. Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Konto keeps your accounts for you: your household money and, if you work as a freelancer in Italy, your partita IVA. Pay with Apple Pay and the expense logs itself, with the amount, the merchant and a category Konto learns from your choices. EXPENSES THAT LOG THEMSELVES Once, you create an automation in Apple's Shortcuts app by following Konto's step-by-step guide. From then on, Apple Pay payments in shops go into Konto on their own; for Apple Pay on websites in Safari, turn on the Konto extension and tap «Registra». Konto only receives the amount, merchant and card name of a payment that has already happened: it does NOT connect to your bank and never asks for banking credentials. The feature is optional. YOUR PERSONAL FINANCES • Transactions: income and expenses in order, by category and by month. • Budgets: a limit for each category, so you see at once how much you spent and where you went over. • Savings goals: a holiday, a car, emergencies. If you like, at the start of the month what you didn't spend from your budget moves to the goal you choose. • Subscriptions and instalments: streaming, gym, loans and mortgage, with a 12-month forecast. • Utility bills: electricity, gas, water and the rest of the home, with due dates and consumption. Take a photo of a bill and Konto fills it in. • Trips: set the dates and Konto gathers the expenses of those days, with total, daily average and a PDF report. • Analysis: where your money goes, by category, merchant and card. ADDING IS QUICK Dictate an expense in the app and the AI fills in amount, category and date, take a photo of a receipt, or import your bank's CSV: Konto categorises everything and spots likely duplicates. FOR ITALIAN FREELANCERS (PARTITA IVA, ITALIAN RULES) • Invoices and quotes with your logo, shared by link or PDF, with what you still have to collect in view. • Clients and cash flow always at hand. • In the Italian flat-rate regime (regime forfettario) Konto estimates substitute tax and INPS contributions and warns you as you approach the €85,000 threshold. Outside it, you see VAT payable and receivable quarter by quarter. • Tax calendar: F24, INPS and tax returns with the days left, based on your legal form. • Business trips: the expenses of a work trip become an expense report in PDF. HOME AND WORK, SEPARATE With Business + Personal you switch between household and business money with one tap: two accounts that never mix. AI ASSISTANT Konto AI helps you with budgets and goals, answers your questions and tells you where to find every feature. OFFLINE, SECURE, YOURS Konto works without a connection and syncs as soon as you are back online. Access is protected with Face ID. Your data is never sold and there are no ads. You can export everything or delete your account whenever you want. TRIAL AND SUBSCRIPTION Konto is free for 7 days after you sign up, with no payment details. After that, to keep using every feature, choose Personal, Business or Business + Personal, monthly or yearly: the price in your currency is shown before you subscribe. The subscription renews automatically unless cancelled at least 24 hours before the end of the period. Payment is charged to your Apple Account when you confirm the purchase. You can manage or cancel it in your Apple Account settings. GOOD TO KNOW • Automatic expense capture works on iPhone. On a computer, Konto runs in the browser with the same account. • Tax, VAT and INPS figures are estimates to help you set aside the right amount: they do not replace your accountant. Konto does not send electronic invoices to the Italian SDI. Privacy Policy: https://konto-finance-app.netlify.app/privacy Terms of Use: https://konto-finance-app.netlify.app/terms