Paycyl vs Budget.

Take complete control of your recurring bills, memberships, free trials, and fixed expenses—without ever linking your bank account or handing your financial data to the cloud. Paycyl is a private, 100% offline subscription manager and bill organizer built for people who want total clarity over where their money goes every month. Zero accounts. Zero cloud servers. Zero ads. Everything stays locally on your iPhone. STOP SURPRISE RENEWALS & FORGOTTEN TRIALS Free trials and annual renewals are designed to slip past your memory. Paycyl tracks exact trial expiration dates and sends customizable reminders days before—or on the exact morning—a charge hits, giving you time to review and cancel unwanted services yourself before you pay. TRACK EVERY RECURRING EXPENSE IN ONE PLACE • Subscriptions & Memberships: Streaming, music, software, cloud storage, fitness clubs, gaming, and news. • Household Bills & Utilities: Electricity, water, internet, mobile plans, rent, and HOA or club dues. • Installments & Debt Payoff: Track fixed-term installment plans, loans, and credit card payments with automatic freedom-date progress and remaining balance calculations. VISUAL PAYMENT CALENDAR & HOME SCREEN WIDGET • Monthly Payment Calendar: See every upcoming due date, paid bill, and overdue charge laid out across a clean visual calendar. • iOS Home Screen Widget: Glance at upcoming bills and due dates right from your Home Screen without opening the app. CLEAR SPENDING ANALYTICS & CARD ORGANIZATION • True Monthly Cost: Weekly, quarterly, semiannual, and annual plans are automatically normalized to their monthly equivalent alongside annual projections. • Cards & Digital Wallets: Link each recurring charge to a specific credit card, debit card, or wallet so you always know which account will be billed. • 17 Currencies Supported: Seamlessly track expenses in USD, EUR, GBP, CAD, AUD, TRY, JPY, KRW, BRL, MXN, TWD, CNY, CHF, INR, RUB, IDR, and SAR. PRIVATE BY ARCHITECTURE + PDF & JSON EXPORT Because Paycyl operates offline with local on-device storage, there is no remote database to breach. Export polished PDF financial reports anytime for personal records, or create portable JSON backups whenever you upgrade devices. Download Paycyl today and keep every bill, trial, and subscription under your control.

Budget. is a no-nonsense personal finance app that puts you in control of your money — without subscriptions, without cloud accounts, and without sending your data anywhere. Your money stays on your phone. Always. Everything is stored locally on your device. No account required. No server. No tracking. Just you and your finances. TRACK EVERY FRANC Add income and expenses in seconds. Your balance updates instantly. See exactly what came in, what went out, and what's left — all in one place. KNOW WHAT'S SAFE TO SPEND Budget. calculates your safe-to-spend amount by factoring in upcoming recurring bills, savings goals, scheduled debt payments, and provisions. No more guessing. RECURRING TRANSACTIONS Set up monthly or weekly schedules for rent, salary, subscriptions, and more. Budget. tracks which ones are paid, which are pending, and which are coming up — right on the dashboard. SAVINGS GOALS Create goals for anything — a holiday, a new car, an emergency fund. Contribute each month and watch your progress build. PROVISIONS Set aside money each month for quarterly or annual bills like insurance or taxes. When the bill arrives, the money is already waiting. DEBTS & LOANS Track what you owe and what you're owed. Set repayment schedules, record payments, and see the remaining balance at a glance. NET WORTH Add your assets and liabilities for a full picture of your financial health. Savings goals and debts are included automatically. BUDGET LIMITS Set monthly spending caps per category and get visual warnings when you're approaching or over the limit. ENCRYPTED BACKUP Export an AES-256 encrypted backup of all your data to Files, iCloud Drive, or anywhere you choose. Restore it anytime with your PIN. Your data never touches a server. BEAUTIFUL THEMES 8 carefully designed colour themes including Midnight, Dawn, Arctic, and more. Budget. is built for people who want a clear, honest view of their finances — without the complexity of spreadsheets or the privacy concerns of cloud-based apps. No subscription. No account. No nonsense.