Basic Checkbook vs Finolio

Your bank app shows what cleared. Basic Checkbook shows what's real. Most banking apps only show transactions that have already posted, not the check you wrote yesterday, the bill that hits Friday, or the withdrawal you made this morning. Basic Checkbook is a personal register where you log every dollar as you spend it, across checking, savings, credit cards, and brokerage accounts, so your running balance is always accurate, up to date, and yours. No bank logins. No credentials on anyone's server. Just a fast, private register that works the way a checkbook always has, only better. WHAT YOU CAN DO • Log purchases, deposits, bills, withdrawals, checks, credits, and transfers as they happen • Watch your true running balance update with every entry • See every account's combined total at the top, with card debt subtracted • See any month at a glance, free: money in, money out, your net, and your biggest expense • Track credit cards alongside your bank accounts: what you owe, the credit you have left, your APR, and the day payment is due • See how much of a card's limit you are using, so you know when a balance is creeping up • Decide what interest costs you: your card shows a projected charge on its due day, and you accept, adjust, or skip it • Add a transaction from your home screen with the Quick Add widget • Add a transaction hands-free with Siri, the Shortcuts app, or Spotlight • Mark items cleared one at a time, fly through a statement with Quick Reconcile, or balance a statement step by step • Void a canceled or torn-up check and keep it on the record while the money returns to your balance • Tag transactions with as many labels as you like, and reuse any tag with one tap • Filter by type or status and search your whole register by payee, amount, memo, or tag • Schedule bills and income every 1 to 4 weeks, twice a month, monthly by date or weekday, quarterly, or yearly, with reminders, and skip one • Set a low balance warning and get a notice two days before a scheduled bill takes the balance under it • Earn interest on savings: choose the day it posts each month, and see the total at a glance • Track a brokerage account, 401(k) or IRA by its value: type it, paste it, scan a screenshot, or ask Siri, and Checkbook writes the gain or loss, keeps what you put in separate, shows your return, and reminds you to update it • Scan a check or receipt to fill in the details automatically • Track a different currency per account • Keep every account in sync across your devices with iCloud, free • Back up your entire register to a file and restore it anytime • Lock the app with Face ID, Touch ID, or a passcode BASIC CHECKBOOK PREMIUM Two ways to upgrade: Lifetime Premium, a single purchase that never renews and never expires, or a yearly plan if you prefer it. Both unlock: • Unlimited accounts: keep checking, savings, credit cards, brokerage, and more in one place • Your accounts over time: tap the total and see how they have moved, month by month, with a tile for each one • Full Monthly Recap: the tags and payees you spent the most on, plus save any month as a PDF • Payoff plan: set a monthly payment on any credit card and see the payoff date and what the interest will cost • Projected balance: where your balance is headed from your scheduled and recurring activity • Receipt photos: attach a receipt to the transaction it belongs to • Spending analytics: charts, trends, budgets, and period comparisons • Monthly PDF statements: clean, bank-style statements for any date range • CSV import and export: bring your history in, or take it anywhere • Color themes and app icons: premium palettes and home-screen icons Basic Checkbook doesn't connect to your bank or your brokerage. It never reads your transactions or stores your credentials anywhere. It's your ledger: private, accurate, and completely yours. Privacy Policy: https://basicapps.tech/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

The personal finance app built for one person — you. Finolio tracks every expense, budget, and receipt photo entirely on your devices and in your own private iCloud. No servers. No user accounts. No analytics. We can't read your data because we don't have any way to. The whole app is yours. WHAT'S INSIDE Quick capture • Scan paper receipts with Apple Intelligence — merchant, amount, date, and category fill in automatically • Voice journal: hold the mic, speak your expenses, the app splits and structures them • Universal Clipboard pickup from bank emails or messages • Apple Watch quick-add — two taps from your wrist • Lock Screen widgets, Siri Shortcuts, home-screen long-press shortcuts Intelligence that respects you • Conversational coach — ask "why did I spend so much on dining?" and it answers, all on-device • Auto-Draft Budget builds your monthly budget from your last 90 days • Anomaly alerts when a category spikes 1.5× above its eight-week baseline • Predictive cash-flow: see what's left by next paycheck • Spending velocity: today's burn rate vs. your 30-day average Smarter receipts • Warranty and return-window tracker auto-detects "30-day return" or "1-year warranty" • Duplicate-charge detection scans weekly • Item-level reorder reminders learn your typical buying intervals • Line-item extraction breaks a grocery run into individual items Apple-native everywhere • iPhone, iPad, Mac, and Apple Watch — one purchase, every device • Custom emoji and Genmoji category icons • Calendar binding: trip events auto-tag expenses; calendar bills become recurring • Reminders mirror: budget alerts also appear in your Reminders app • Focus filter: Work focus shows only work-tagged expenses • Mac menu bar widget with a Cmd+Shift+N global quick-add hotkey • Continuity Camera: scan a receipt with your iPhone, data lands on your Mac • iPad spreadsheet view for bulk-editing transactions in a real table • Lock Screen accessory widgets, StandBy support, multiple widget sizes Behavioral tools that don't lecture • Streak system to build the daily-logging habit • Friction mode: optional 30-second pause before saving impulse purchases above a threshold you set • Anti-anchoring entry hides the amount until you've categorized Privacy controls • Privacy curtain — one tap blurs every dollar amount and merchant name • App-switcher cover replaces the multitask thumbnail with the brand mark • Export your full database as plain JSON anytime • Delete every record across every device with a single confirmation • Optional auto-curtain on every launch WHO IT'S FOR People who want a finance app that's actually private. Self-employed users tagging expenses by trip or project. Couples sharing a budget without handing a third party their entire financial life. Anyone tired of "free" finance apps that monetize their data. WHAT YOU WON'T SEE • No ads. Ever. • No subscription gate on core features. • No third-party analytics SDKs. • No "data collected to improve our service." • No bank login, no aggregator, no external account. The optional cloud AI features (receipt smart-scan via your own Anthropic or xAI API key) are 100% opt-in. Without a key, the entire app runs on your device with Apple Intelligence. Privacy policy: finolioapp.github.io/privacy