Closer vs Risewell Grow

Everything you own, in one number. Then a plan to grow it. Closer shows your entire financial picture: savings, investments, pensions, property, crypto and debts. All as a single figure, telling you exactly what it takes each month to reach the number you're aiming for. No bank connection. No account. No subscription. HOW IT WORKS 1. Set your goal — retirement, a house deposit, your FIRE number 2. Add what you own and what you owe 3. See what it takes each month, and watch it happen TRACK EVERYTHING - Savings, cash and current accounts - Stocks with live prices - Crypto with live prices - Workplace pensions and SIPPs - ISAs, funds and ETFs - Property and vehicles - Mortgages, loans and credit cards A PLAN, NOT JUST A NUMBER Most trackers tell you where you are. Closer tells you what to do about it. - See the monthly amount that reaches your goal on time - Drag to see what a different amount would mean - If there's a gap, see exactly how big it is - Project when you could stop working, year by year UK ALLOWANCES - See what's left of your ISA allowance this tax year - Track pension contributions against your annual allowance - Know how many days remain before 5 April SEE WHAT ACTUALLY MOVED IT Contributions, market growth, and assets added or removed — split out, so you know whether you earned it or saved it. YOUR DATA STAYS ON YOUR PHONE - No account to create - No bank connection, so nothing to breach - Balances and history never leave your device - Face ID lock and privacy mode, both free WIDGETS AND APPLE WATCH - Home screen and lock screen widgets - Apple Watch app with goal progress CLOSER PRO — ONE PAYMENT, FOREVER No subscription. No monthly fee. - Multiple goals, each tracking its own assets - ISA and pension allowance tracking - See what moved your net worth - Medium home screen widget - Export everything as CSV Built by an indie developer in the UK.

Risewell Grow is a calm, private savings goal and budget app for people who want their money to feel rewarding instead of stressful. Set goals you can actually picture. Watch the progress ring close as you log contributions. Earn rewards as you grow from Seedling to Risewell Sage. Plan around your real pay cycle and see exactly what is safe to save once the bills are covered. Built to make saving feel like the win it is: - Set goals for anything that matters: house deposit, holiday, emergency fund, a fresh start - Log contributions in seconds and watch the goal ring fill - Tasteful celebrations, confetti, sound and haptics at every milestone (25%, 50%, 75% and goal hit) - Climb a nine-tier reward path from Seedling, Saver and Builder up to Risewell Sage - Plan a pay-cycle budget with income, bills and a safe-to-save figure - See reports for savings rate, cash flow forecast, spending by category, goal projections and net worth - Project when each goal will be hit and use what-if sliders to test scenarios - Pin a priority goal to your home dashboard - Pick from six visual themes including Retro, Terminal, Comic, Voyage, Compound and Classic - Sync privately across your Apple devices through your own iCloud - Lock the app with Face ID, Touch ID, Optic ID or device passcode - Choose your default currency, with full multi-currency support - Add Home Screen and Lock Screen widgets for goal progress, next milestone and total saved - Use the Apple Watch app to see goals and totals at a glance - Share goal progress with a partner over iCloud Risewell Grow is account-free. There is no sign-up, no bank linking and no public sharing. Your data stays on your device and, when enabled, syncs privately through your iCloud account. The developer never sees it. A free tier is included with one active goal, manual logging and the core experience. Risewell Grow Pro is an optional subscription that unlocks unlimited goals, the full pay-cycle planner, all reports, every theme and celebration and partner sharing. Subscriptions auto-renew and can be managed or cancelled in the App Store at any time. Risewell Grow does not make payments, move money, connect to bank accounts or provide financial advice. It is a private planning, tracking and motivation tool to help you save more consistently. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/