Hiyo vs M Budget

Hiyo helps you track daily expenses so you can manage your money with confidence. TRACK YOUR SPENDING • Log expenses and income quickly with the built-in calculator • Organise by categories, sub-categories, and labels • Attach transactions to multiple accounts • Set up recurring transactions for bills and subscriptions MANAGE YOUR BUDGET • Set monthly budgets per category • Visual charts: bar chart, donut chart, and balance sheet • See upcoming recurring transactions at a glance • Filter, search, and sort your transaction history SHARED BOOKS • Create multiple expense books (personal, family, business) • Share a book with family members via Google Drive • Real-time collaboration with write-lock protection • Automatic sync every 45 seconds BACKUP & RESTORE • Back up your data to Google Drive with one tap • Restore on any device instantly FREEMIUM • 30 free transactions to get started • One-time $4.99 unlock for unlimited transactions — no subscription ever Hiyo is built for people who want a simple, private, and powerful expense tracker without a monthly fee.

M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.