BudGIT AI vs Tortol

BudGIT AI is the budget tracker built for people who want to know exactly where their money goes — without giving their financial data to anyone. KNOW YOUR MONEY EVERY DAY • Remaining balance, daily spend limit, and budget progress at a glance • Color-coded category cards warn you before you overspend — green, yellow, red • Net worth across all your accounts updated in real time • Recent transactions always front and center LOG EXPENSES FAST • Tap + to log any expense or income in seconds • Mark any expense as recurring — rent, bills, subscriptions — log once and it repeats • Attach a receipt photo directly to any transaction • Autocomplete merchant names from your history SCAN RECEIPTS & USE YOUR VOICE • Point your camera at a receipt and AI fills in the merchant, amount, and category automatically • Say "Spent ₱250 on lunch" and it's logged — speech processed entirely on your device • Chat with an AI assistant about your spending and get personalized insights • All AI runs on your device — nothing sent to any server, ever TRACK BILLS SO NOTHING SLIPS THROUGH • Every recurring bill in one place with its next due date • Color-coded urgency: due this week, next week, or later • Toggle bills as paid or unpaid manually • Reminders 1, 2, or 3 days before anything is due LEND & BORROW WITHOUT LOSING TRACK • Log money you lend to friends or borrow from others — individually or as a group • Choose lump-sum or installment repayment with weekly, biweekly, or monthly schedules • See exactly how much has been paid and how much remains at a glance • Automatic overdue detection so nothing falls through the cracks • Reminders before each due date so you never have to awkwardly follow up SAVINGS GOALS THAT FEEL ACHIEVABLE • Set a target amount and date — the app tells you exactly how much to save monthly • Watch your progress grow toward 25%, 50%, 75%, 100% milestones • Add contributions anytime, pause goals without deleting them • Completed goals archived so you can look back and feel proud POWERFUL ANALYTICS • Income vs. expense charts, category breakdowns, and calendar heatmap • Spending forecast — see your projected end-of-month total before it happens • Month-over-month comparisons with % change per category • Top biggest transactions so nothing sneaks up on you • Export full reports as PDF or CSV — your data belongs to you MULTI-ACCOUNT SUPPORT • Add checking, savings, cash, and e-wallet and credit card accounts • Transfer between accounts without affecting your budget • All balances update the moment you log PRIVACY BY DESIGN • 100% offline — works without internet after initial setup • No account, no email, no sign-up required • No ads, no tracking, no cloud sync — ever • Optional Face ID, fingerprint, or PIN app lock • Encrypted password-protected backups • Your data is fully portable — export anytime, never locked in One-time purchase. No subscriptions. Own it forever.

Keep all your installments organized in one simple app. Whether it's a new phone, appliance, or any monthly payment plan — Tortol helps you track what you owe, what's due, and when to pay. Track Everything in One Place. Create cards for each store, bank, or lender. Add installments with custom amounts, interest rates, and payment periods. See your total dues, total interest, monthly breakdown, and remaining months to pay per installment. Find What You Need Fast. Filter installments by status — ongoing, pending, or done. Search by name to quickly find any installment across your cards. You can even filter which cards have ongoing, pending or done installments. Never Miss a Payment. Set reminders for each card so you always know when a payment is coming up. Get notified before your due date so you can pay on time, every time. Know Your Numbers. View monthly breakdowns with interest calculations. See total amount, total interest, and how many months are left per installment. Fully Offline & Private. No account needed. No cloud. No data collection. Everything stays on your device. Your financial data is yours alone. Simple & Free to Start. Get started with 1 card, 3 installments, and 1 reminder — completely free. Upgrade once to unlock unlimited cards, installments, and reminders. One-time payment, no subscription, no ads — ever.