TrackSmart vs Vondo

Your money, your finances and nobody else's business. TrackSmart is the budgeting app that never asks for your bank login. No account linking, no third-party data brokers, no servers holding your financial life. Your financial data stays on your device and in your own private iCloud. PRIVATE BY ARCHITECTURE, NOT BY PROMISE • No bank credentials required — ever • No account, no email, no sign-up • Your financial data lives on-device and in your private iCloud • On-device AI: your transactions are never sent to the cloud SEE YOUR WHOLE NET WORTH Track everything you own and owe in one place. Add assets and liabilities, log account values over time, and watch your net worth trend — alongside a beautifully redesigned account view with balance history, top categories, and credit-utilization at a glance. • Net-worth tracking with valuation history • Redesigned account detail — balances, statistics, and trends ON-DEVICE AI THAT UNDERSTANDS YOUR MONEY Powered by Apple Intelligence, TrackSmart generates plain-language summaries of your spending — what changed, what's unusual, and what deserves your attention — entirely on your device. • AI spending summaries generated locally, never in the cloud (AI summaries require a device with Apple Intelligence.) INSIGHTS DEEPER THAN A PIE CHART • Cash-flow forecast — see where you're headed, not just where you've been • Money Flow view — exactly where every dollar goes, income in to spending out • Spending breakdowns by category, merchant, and trend • Automatic subscription detection — catch the charges you forgot about • Unusual-spending alerts before they become a habit BUDGETS & GOALS THAT STICK • Monthly and category budgets with clear progress • Savings goals you can actually watch grow • Recurring transactions and smart categorization rules IMPORT WITHOUT LINKING • Import transactions straight from PDF statements — no Plaid, no bank connection • Export polished PDF reports for taxes or your own records LIVES ON YOUR HOME SCREEN Five widgets — Spending Summary, Budget Progress, Cash Flow, Net Worth, and Quick Add — keep your money one glance away. AVAILABLE IN ENGLISH AND SPANISH TrackSmart is fully localized — every screen, every insight, in both languages. START FREE Track multiple accounts, budgets, goals, and tags at no cost. Upgrade to Pro for unlimited everything, advanced insights, PDF import/export, and on-device AI spending summaries. Not sure yet? Turn on Demo Mode in Settings to explore the entire app with realistic sample data — no signup, and your own data stays untouched. No bank login. No data brokers. No catch. Just your money, finally private.

Take control of your money, and finally keep it. Vondo takes you from wondering where your money went to knowing exactly where it's going. You plan before you spend, watch your goals get closer, and see your debt shrink month after month, until managing money feels calm instead of stressful. It starts with one simple shift: give your money a plan before the month begins, then adjust as life happens. That's the VONDO method, and it's how budgeting finally sticks. WHAT YOU CAN DO • Plan every month: assign your income to categories so nothing catches you off guard. • Reach your goals: set targets and watch your progress fill in. • Log spending in seconds: fast, simple entry that's easy to keep up. • See the full picture: clear reports show where your money really goes. • Pay down debt: track loans and watch your balances shrink with every payment. • Everything in one place: checking, savings, cash, credit cards, and loans. • Use it anywhere: your budget stays in sync on your phone and the web. • Works offline: add transactions anytime, and Vondo syncs when you're back online. • Share one budget with your household, so everyone sees the same numbers. • Light and dark mode, with support for currencies around the world. Take control of your money, and keep it. Start today. Start with a free trial, then continue with a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/