0based vs Polaris Budget

0based is an AI-powered finance app that actually understands your money. Track personal and business finances in one place — then ask your AI advisor anything. Can I afford to hire? Am I overspending? What's my runway? Get real answers based on your real data. PERSONAL FINANCE Track all your accounts — checking, savings, credit cards, loans. Set budgets by category, track bills and due dates, and let AI spot patterns in your spending you might miss. STARTUP & BUSINESS Monitor your cash position and expenses. Track burn rate and runway. Ask the AI anything about your company finances — it knows your numbers. AI THAT KNOWS YOUR MONEY Ask anything in plain English. The AI analyzes your actual accounts, transactions, and budgets. It remembers your goals across conversations — every interaction builds on the last. SMART INSIGHTS AI-generated insights on your dashboard. Spending spikes, budget alerts, unusual activity — surfaced automatically. SHIELD MODE Not ready to face the numbers? Activate Shield Mode to hide your balances with a single tap. Let the AI surface what matters — insights, alerts, and patterns — so you stay informed without the anxiety. Full visibility when you want it. None when you don't. CONNECTED BANKING Link your bank accounts for automatic transaction sync. Your data updates in real time — no manual entry required. BUILT FOR PRIVACY Sign in with Apple — no email or name collected. Your data is never sold or shared. Export or delete anytime.

Polaris Budget finds the money you can save: a subscription that went up, a car loan you could pay off sooner, card rewards left unclaimed. Link your banks through a secure read-only connection, or add accounts by hand. Two ways to run the budget: Envelopes or Tracking. WHAT POLARIS FINDS • A subscription that went up, with what it was before • A charge that is unusual for you, as a notification the day it posts • The month your car loan ends, and what paying extra would change • Rewards a card you already own would have paid on last year's spending • Net worth across cash, cards, loans, your home and your holdings On a supported iPhone, insights are written on the device by Apple Intelligence. No payee, category or amount leaves the phone. Everything else in the app works without them. TWO WAYS TO BUDGET Envelopes. Assign every dollar to a category before you spend it. Ready to Assign, the number at the top of Budget, is tied to cash in your accounts, not a balance parked in a future month. When it moves, Polaris names what moved it. Tracking. Set a target per category and watch spending against it. Nothing to assign or move. Same accounts, same categories, and you can switch any time. Short in one category? Polaris ranks the ways to cover it and shows what each leaves you with. BUDGET WITH A PARTNER Two people share one budget on one subscription. The partner seat is free. Each of you edits on your own devices, and changes sync through iCloud. For every account you choose whether your partner sees it fully, sees the balance only, or does not see it at all. Either of you can keep a private group where the other sees only the totals. INVESTMENTS AND RETIREMENT • Your holdings against the S&P 500 and a 60/40 blend, from the day you add them • Dividend income by position • Retirement paths from your own accounts, income and spending, with housing and college years in the model • Joint long-term planning with your partner, off unless you turn it on Retirement paths, market comparisons, cash outlooks and card-rewards figures are illustrative estimates, not financial, investment or tax advice. Statements from your bank or broker control if they disagree. YOUR DATA Your financial data is never stored on our servers. There is no Polaris account to create. Your budget lives on your devices and in your iCloud. Linking a bank is optional and read-only; you can add every account by hand instead. IPHONE, IPAD AND MAC One subscription covers all three, for everyone in the household. Link banks from iPhone or iPad; the Mac shows them automatically. PRICE Sample data is free. Subscribe to link banks or add your own accounts: $9.99 per month or $79.99 per year, billed by Apple. HOW IT WORKS Pay hits checking. You assign it to categories. Money never leaves the bank, only its job changes. Spend, and Available falls. Short in one category? Cover from another. Support: https://polarisbudget.com/support Privacy: https://polarisbudget.com/privacy Terms: https://polarisbudget.com/terms