FinBuddy vs Cent

FinBuddy — Personal Finance Tracker Your money, your phone, your business. FinBuddy is a private finance tracker that keeps everything local. No accounts to create, no subscription to forget about, and nothing ever leaving your device. TRACK EVERY TRANSACTION Log income and expenses your way. Pick a category, choose an icon, and give it a color. Search anything instantly, filter by income or expense, and flip through months to see exactly where the money went. SMART BUDGETING Set a monthly limit for each spending category and watch the numbers in real time. FinBuddy also flags anything you're spending on that isn't budgeted yet, so nothing quietly adds up without you noticing. SAVINGS GOALS Got something to save toward? Set a target amount and a deadline. Whether that's a vacation fund, an emergency cushion, or a big purchase, FinBuddy tells you exactly how much you need to set aside each month to actually get there. BILL REMINDERS Add your recurring bills on whatever schedule they run. Weekly, monthly, yearly, or custom. Get reminded 1 and 3 days before each one is due. One tap to mark it paid. SPENDING ANALYTICS See income vs. expenses side by side, break down spending by category, and catch anything that looks off. Month-by-month navigation means you can always go back and compare. MULTI-CURRENCY SUPPORT Running accounts in different currencies? FinBuddy converts everything into your preferred currency automatically, so your total balance is always a real number. MULTIPLE ACCOUNTS Bank accounts, credit cards, cash, digital wallets. Keep them all in one place. Each has its own balance, currency, and transaction history. MONTHLY SAVINGS CARRY-OVER Whatever you don't spend rolls into next month automatically, anchored to your actual balance. No inflated numbers, just an honest picture of where you stand. DAILY FINANCIAL REMINDERS Turn on a daily nudge to stay on top of things. You pick the time, FinBuddy does the reminding. YOUR DATA, YOUR DEVICE Everything stays on your phone. Export your full data whenever you want, for backup or when switching devices. BEAUTIFULLY DESIGNED Full Dark Mode, Light Mode, and System default. Clean, readable, and comfortable on any screen.

Meet Cent: the ultra-minimalist, private expense tracker designed for absolute speed and total data ownership. Most budgeting apps force you to create accounts, link your private bank details, and sync your financial life to the cloud. Cent does the exact opposite. It works 100% offline, keeping your financial data exactly where it belongs: locally on your device. With a frictionless design inspired by the speed of a daily calculator, Cent cuts through the noise so you can log an expense and get on with your day. WHY USE CENT? • 100% LOCAL & PRIVATE: Your data never leaves your phone. No servers, no data selling, and no privacy anxiety. • ZERO FRICTION: No sign-ups, no onboarding loops, and no login forms. Open the app and log immediately. • INSTANT LOGGING: Enter an amount on the dedicated numpad, tap a category, and save in a single gesture. • SMART HISTORY & INSIGHTS: View beautifully clean, native charts that break down your spending by category for the month. • EXPORT ANYTIME: You own your data. Export your entire history to a standard CSV file whenever you need to back it up or run a spreadsheet. Take control of your habits without sacrificing your privacy. Download Cent today.