Tipid App vs Duwa

Tipid is a private, offline budgeting app built for the way Filipinos actually handle money. Track every peso in seconds, set budgets and savings goals, keep tabs on utang, and grow your ipon — all on your iPhone, with nothing leaving your device. No bank logins. No cloud. No accounts. No subscriptions. Your financial life stays yours. LOG EXPENSES IN SECONDS • Just type it — "coffee 150 starbucks" — and Tipid figures out the rest. • Talk to it, or snap a photo of a receipt and let it read the details. • On-device AI puts each expense in the right category on its own. SEE WHERE YOUR MONEY GOES • A clean Today dashboard shows balances, recent activity, and your net worth at a glance. • Charts and insights show your spending patterns and where you can cut back, for this month or any month before it. • Net worth updates the moment you log income or an expense. BUDGETS & GOALS THAT MOTIVATE • Set a budget for any category you name — Tennis, Date night, whatever you track — and new expenses land in it on their own. • Create savings goals and watch your savings piggy grow plumper the more you save. • Cashflow forecasting helps you see what's coming before it hits. BUILT FOR REAL LIFE • Track utang and money owed — who you owe and who owes you. • Installment plans and recurring transactions stay organized. • Planned payments and upcoming bills so nothing surprises you. • Multiple accounts: debit, credit, cash, and investments. • Multiple currencies supported. PRIVATE BY DESIGN • 100% offline — your data never leaves your iPhone. • Face ID unlock and a privacy mode to hide balances. • On-device AI powered by Apple Foundation Models — smart, but private. GOES WHERE YOU GO • Apple Watch app for logging on the move. • Home screen widgets and Siri support. • Export to CSV/JSON and generate PDF statements anytime. Free to start, with a one-time purchase to unlock everything — no monthly fees, ever. Finally see your money clearly. Salamat for using Tipid!

Splitting 50/50 isn't equal. It just looks equal. When one of you earns more, down the middle quietly puts the heavier load on the smaller income. Duwa lets the two of you decide what fair actually means, one expense at a time. Duwa is made for exactly two people: you and the one you're building a life with. Two phones, one shared balance, kept in sync in real time. CHOOSE WHAT'S FAIR Couples rarely split everything down the middle, so Duwa gives you four ways to share a cost: - Equally, straight down the middle. - By income, so the one who earns 60% covers 60%. - Custom, whatever the two of you agree on. - A treat, when you've got this one and nothing is owed back. Tell Duwa what you each earn once and the by-income split keeps things fair on its own. Set a default for the household, or choose per expense. ONE BALANCE, READ AT A GLANCE Home opens on a single dial: who owes whom, and how much. Swipe it for the month climbing, for where the money actually went, and for how the budget stands. No columns of debits and credits to decode. TWO PHONES, ONE TRUTH Invite your partner with a code and you share one ledger. Add an expense on your phone and it lands on theirs, with the balance moving for both of you. No group chats, no screenshots, no "wait, did you add that?" SETTLING, PROPERLY MARKED Settle any amount on Duwa's own keypad, with half and full one tap away. Commit with a hold rather than a tap, so nothing is ever recorded by accident, and keep the certificate for the month you just closed. BUDGETS THAT KEEP PACE Give any category a monthly budget, then watch days left, pace, and what remains, on its own tab and on Home. TRACK IT YOUR WAY - Log an expense in seconds, with a note, category, date and who paid. - Set up recurring bills once and let them repeat. - Snap a receipt and keep it with the expense. - Make categories yours: name them, colour them, give them an emoji from a palette of 28, and choose how they are worn on your own phone. - Search your whole history, and read every add, edit, delete and settle in one shared activity log. REMINDERS AND NUDGES Duwa can remind you to log or to settle, at times you pick. And when the balance has been sitting a while, a wave sends your partner a gentle nudge. BRING YOUR HISTORY Import from Splitwise in a couple of taps, keeping or merging categories as you go, so you are never starting from scratch. EVERY CURRENCY, COUNTED RIGHT 150+ world currencies, including the ones that do not use decimal places. The money math is precise to the cent, so nothing rounds away behind your back. MADE TO FEEL GOOD A calm, considered iOS app: warm light and dark themes, Dynamic Type and accessibility throughout, and small moments that make the ordinary bits pleasant. SIMPLE TO START No email sign-ups and no passwords, just Sign in with Apple. Name the two of you, pick your currency, and you are tracking in under a minute. PRIVATE BY DESIGN Your data belongs to the two of you. It lives on your phones and syncs through a private backend where every household is sealed to its own couple, enforced by the database itself and not by a promise. No ads, no tracking, no analytics, and nothing sold, ever. Erase everything, or delete your account entirely, from inside the app. DUWA PRO One subscription covers both of you: whoever subscribes, Duwa Pro unlocks on both phones. Choose weekly, monthly, yearly with a 7-day free trial, or a one-time Lifetime purchase. Subscriptions renew automatically unless turned off at least 24 hours before the period ends, and you can manage or cancel any time in your App Store account settings. Privacy Policy: https://duwa.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/