Commas vs Philia Vault

Commas is the privacy-first iPhone app for tracking your net worth over time. Add your accounts, log your balances, and watch your wealth grow through beautiful charts and clear summaries. No account required. No ads. Your financial data lives on your device and syncs privately through iCloud. TRACK EVERY ACCOUNT IN ONE PLACE Add any type of account: bank accounts, investments, crypto, property, business valuations, and debt. Every account type you have, Commas handles it. CONVERT CURRENCIES EFFORTLESSLY Hold accounts in different currencies? No problem. Commas converts everything to your base currency using live exchange rates updated daily, covering 160+ currencies worldwide. VISUALIZE YOUR WEALTH CLEARLY See your net worth over time with a smooth area chart. Explore your allocation with a donut breakdown. Compare categories side by side with a bar chart. Every chart is built natively for iPhone and looks great in light or dark mode. SET GOALS AND HIT THEM Set a net worth target and watch your progress bar fill up over time. Add a target date and Commas tracks how much time you have left. SYNC ACROSS ALL YOUR DEVICES Your data syncs privately and automatically across all your iPhones through iCloud. No account needed, no third-party servers involved. UPDATE BALANCES IN SECONDS Use Quick Update to refresh all your account balances at once from a single screen. Set reminders so you never forget to log your numbers. PROTECT YOUR FINANCIAL PRIVACY Commas never sells your data. No advertising network. No sign-up required. Your account balances and net worth data are stored in your private iCloud account and never touch our servers. DESIGNED EXCLUSIVELY FOR IPHONE Native app built for iOS 17 and above. Supports light and dark mode. SPEAK YOUR LANGUAGE Available in English, French, Spanish, and Portuguese. Download Commas free and start watching the commas grow. Privacy Policy: https://getcommas.app/privacy | Terms of Use: https://getcommas.app/terms

Are you actually building wealth — or just earning and spending money? Philia Vault helps you see your real financial position: net worth, assets, liabilities, cash flow, and financial independence — all in one place. Stop looking only at where your money went. Start seeing where your financial life is going. WHAT PHILIA VAULT DOES Net Worth & Assets — Track everything you own vs. everything you owe, and see your net worth update as your financial data changes. Cash Flow — See your income and expenses relative to your true monthly costs, not just a transaction feed. Financial Independence Index (FII) — Know exactly how much of your monthly living costs your assets already cover. Scenario Simulation — Model major decisions (a home purchase, a career change, an investment) before you make them. AI Coach — Get pattern insights and reflective questions on your own numbers. Educational insights only — not personalized investment advice. LEARN & GROW Learn & Philia Library — Bite-sized lessons, audio micro-lessons, quizzes, XP, and streaks that take you from Understand → Learn → Decide → Act → Progress. Philia Empire (Tycoon Simulation) — Practice real financial decision-making in a virtual business: Income → Capital → Decisions → Asset Acquisition → Cash Flow → Reinvestment → Growth. 100% virtual currency, no real-world value. WHO IT'S FOR Built for people who already earn and pay their bills, but want to know if they're actually making financial progress — not just another budgeting tool. AVAILABILITY & PRIVACY Available in English, French, Spanish, and Portuguese. Subscription-based. All data is entered manually — no bank account connection required. Philia Vault includes an auto-renewable subscription. Payment is charged to your Apple Account after confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple Account settings. Terms of Use: https://philiavault.com/terms Privacy Policy: https://philiavault.com/privacy