Tipid App vs WorthBook

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!

WorthBook is a personal finance app that helps you track and plan your money on your phone. No bank login. No mandatory account. Your data stays on your device. A lot of finance apps ask you to connect your bank and store everything online. WorthBook is built for people who want clarity without giving up control. You enter what matters, see your full picture in one place, and keep your records private. Why WorthBook Money is easier when you can see it clearly. WorthBook shows what’s coming in, what’s going out, what you owe, what others owe you, and what you’re building toward. It works especially well if you use cash, banks, e-wallets, bills, loans, and savings in everyday life. What you can do • Track income, expenses, transfers, and account balances • Organize cash, bank, e-wallet, savings, credit cards, investments, loans, and Money Lent • Set budgets and see where your money goes • Manage bills and recurring payments • Track loans and stay on top of repayments • Track Money Lent, including who’s paying you back and what’s still owed • Set savings goals and log contributions • Monitor investments like stocks, crypto, gold, funds, MP2, and time deposits • Check your Safe To Spend, net worth, and monthly snapshot on Home • Use calendar views for bills, loans, Money Lent, salary, and recurring due dates • Search across transactions, accounts, goals, bills, and more • Work in PHP and THB for free, with more currencies available in Pro • Lock the app with a passcode or biometrics WorthBook Pro Lifetime One purchase unlocks the advanced tools: • Smart Entry with on-device AI, so you can type naturally and review drafts before saving • Scan Receipt to turn receipts into expense drafts on your device • Ask WorthBook for answers about your cash flow, spending, budgets, goals, and more • Cash flow forecasts and net worth trends • Budget rollover, flexible schedules, and deeper planning tools • Debt Payoff Planner to see how extra payments change your timeline • Advanced reports, including lending and savings insights • Dashboard customization and appearance options • Backup and Restore for moving your local data • Achievements and Money Garden to keep good money habits going No forced account. No bank connection needed. Just your money, your phone, and a clearer view of where you stand.