Faro Wealth vs Milli

Faro shows your whole financial life in one place: what you own, what you owe, what you can safely spend today, and where you are heading long term. Your financial data stays on your iPhone. No bank connection, no account to create, no ads. EVERY DAY • Safe-to-Spend — what you can spend today and for the rest of the month, with committed money kept separate from what is actually free • Quick entry in plain language: type "groceries 42" and Faro fills in the amount and category • Scan a receipt: photograph it and Faro reads the merchant, total and date — all on device, and the photo is never stored • Import transactions from your bank's CSV or Excel file, with a review step before anything is saved — no bank connection and no credentials • A calendar that puts every payment on its own day • Upcoming bills and subscriptions: Faro spots your recurring charges and alerts you when a price goes up • A weekly review of what changed in your spending, savings and goals • Log an expense from Shortcuts or with Back Tap, without opening the app BUDGET • Monthly income, spending and saving, with categories and subcategories • Savings and investments count as allocations, not spending — so your savings rate is right • Recurring rules for salary, bills, transfers and automatic investing, with per-occurrence exceptions: move, change the amount, or skip ACCOUNTS AND NET WORTH • Bank accounts, cash, cards and loans, with transfers and a full per-account history • Net worth in a single number: accounts, investments, property and liabilities • A cash-flow forecast for the months ahead • Cash runway: how many months your available money lasts at your current spending INVESTMENTS • A portfolio of stocks, ETFs and crypto, with average cost and per-position return • End-of-day market prices • Compare each holding with the index it tracks • Markets: indices from the Americas, Europe and Asia • Multi-year portfolio projection with recurring buys and scenarios PLANNING • A financial health score, broken down by area, with concrete next steps • Goals with a completion forecast • FI Planner: when you reach financial independence, with scenarios ON YOUR DEVICE • Three home screen widgets • Hide every amount with one toggle • Face ID lock • 12 base currencies, using ECB rates • Backup and restore to a file you control PRIVACY Your transactions, accounts and balances are stored locally on the device. Faro never connects to your bank, never asks for credentials, and does not track you. To show share prices and exchange rates it requests market data from the Faro service, and company logo images from Logo.dev — without sending your financial details. FARO PREMIUM Free: up to 50 transactions per month, 3 accounts, 3 recurring rules, 1 investment, 1 goal, and the last month of history when importing a bank file. Premium: unlimited transactions, accounts, recurring rules, investments and goals, import of your full history, automatic investing, a daily spending chart, Money Flow for any period, portfolio and cash-flow forecasts, wealth summary, financial health improvement steps, FI Planner, every weekly insight, runway scenarios, a 90-day bills timeline, your choice of benchmark index, annual reports, CSV export and the premium widgets. Monthly or annual auto-renewing subscription, billed to your Apple Account. It renews automatically unless cancelled at least 24 hours before the end of the current period, and can be managed in your account settings. Company logos provided by Logo.dev. Terms of Use (EULA): https://farowealth.app/faro_terms_eula_bilingual Privacy Policy: https://farowealth.app/faro_privacy_policy_bilingual

A private money tracker that asks nothing of you. No account, no ads, no data collection — and one payment instead of a subscription. Log what you spend in a couple of taps, and see where the month is going. TRACK WHAT YOU SPEND • Log an expense or income in seconds from the amount pad • Smart Chat — log expenses by typing in plain language, and Milli learns your words to file them automatically. Add your own Taught words for instant sorting • A color-coded category wheel that fills in as you type • Custom categories and icon tags to slice spending your way • Proper transfers between accounts, counted once instead of twice • Recurring payments so rent, salary and subscriptions post themselves • Ask Siri to log an expense without opening the app SEE WHERE THE MONTH WENT • A dashboard with your balance, your spending and what is left • Budget Mode — set a monthly target overall or per category, and watch progress live • Spending rate tells you whether you are ahead or behind for the month • Category breakdowns, savings trends and net worth, without a spreadsheet • Multiple accounts and ledgers in different currencies, with your own exchange rates • Swipe between months, or pick any date range you like ON YOUR HOME SCREEN AND YOUR WRIST • Seventeen widgets: net worth, this month's spending, budget progress, spending rate, expense categories, account favorites and one-tap add buttons • Add an expense straight from a widget without opening the app • A full Apple Watch app for logging while you are out • Runs on iPad too — the same app on a bigger screen, no second purchase GROW A GARDEN WHILE YOU SAVE • Earn a coin for every transaction you log by hand • Spend coins on an aquarium and a garden — fifty species to collect • Streaks and a running count of the days you have logged • Budgeting that doesn't feel like homework YOUR DATA IS YOURS • There is no Milli account and no Milli server. We never see your numbers. • The "Data Not Collected" label on this page is not marketing — Milli collects nothing at all • Optional iCloud sync keeps your devices in step through your own private iCloud, which only you can read • Lock the app with Face ID or a passcode • No ads, no trackers, nothing sold to anyone SPEAKS YOUR LANGUAGE Milli is fully translated into 32 languages — Arabic, Bengali, Chinese (Simplified and Traditional), Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Turkish, Ukrainian, Urdu and Vietnamese — with currencies and date formats that follow your region, not ours. FREE, AND PREMIUM Milli is free to use with three accounts, twenty expense categories and five income categories. One purchase unlocks unlimited accounts, categories and color tags, iCloud backup and sync, CSV and backup export, every widget, and the Apple Watch app. Pay once, use forever. No auto-renewal, no monthly fee, no free trial that quietly becomes one. Questions or ideas? We read every message.