Arcio Budget vs NetBudget

Arcio is an envelope budgeting app for households that want a clearer way to manage money without complex spreadsheets. Each month, Arcio helps you understand: - what must be covered - what remains available - what can be saved - how today's decisions affect future goals With Arcio, you can track expenses, compare planned and actual spending, keep fixed charges visible, project the months ahead, and test scenarios before making a decision. You can also estimate your margin until your next income from a balance you enter and payments you confirm; expected income is never added automatically. An accidental expense deletion can be undone. A household budget stays on this device; Arcio does not sync or enable shared editing across devices. PDF exports help you share a clear snapshot when you need one. Advanced features also include projections, scenarios, and deeper family-budget planning. Arcio is designed to feel calm, readable, and useful. It focuses on practical monthly decisions instead of financial jargon or noisy dashboards. Some advanced features require Arcio Premium. Arcio does not provide regulated financial advice, does not manage investments, and does not promise automatic bank-account synchronization.

How much money do you really have left at the end of the month? NETbudget calculates your remaining budget in just a few minutes and tells you exactly where to take action. Based on the universal 50/30/20 rule (Elizabeth Warren), it categorizes your expenses into essentials, lifestyle, and savings, projects your next 12 months, and provides 23 personalized recommendations. Everything runs 100% on your phone — no account, no cloud, no ads. YOUR INCOME • Multiple income sources supported: salary, freelance, rental income, dividends… • Automatic gross-to-net conversion based on your status (employee, executive, public sector, self-employed) with editable tax rates • Annual / monthly / one-time payments (bonus, 13th month salary, dividends) YOUR LOANS • Monthly payment automatically calculated from loan amount, rate, and duration • Or manually enter the amount if you already know it YOUR EXPENSES (50/30/20 RULE) • Three clear categories: Essentials, Lifestyle, Savings • Pre-filled lists (groceries, transport, savings accounts, investments, life insurance…) fully customizable WORLDWIDE SUPPORT • Full support for 8 languages: French, English, Spanish, Portuguese, German, Italian, Arabic, Japanese • 558 cities across 59 countries with cost-of-living indexes • 15 currencies (€,$,£,¥,CHF,BRL,INR,CFA franc…) • Real-time currency converter with history PERSONALIZED INSIGHTS • 23 recommendation cards based on your real financial situation • Trusted thresholds: 50/30/20 rule, 35% debt ratio, rent ≤ 1/3 of net income, emergency fund, investor profile • Fully translated into all supported languages CLEAR VISUALIZATION • Donut chart of your monthly expenses • 12-month projection, detailed tables, yearly totals • Clean PDF export in your language PRIVACY FIRST • 100% offline (except exchange rates, updated every 6 hours) • No data leaves your phone • No account, no tracking, no advertising Designed in France. Download NETbudget and take control of your finances in just 5 minutes.