Bilanco vs Paranova

Full control of your financial life, right in your pocket! Bilanco is not just a debt tracker. Build your plan to get out of debt, see your income-expense balance, follow the value of your assets in real time. **WHY Bilanco?** - Automatic credit card interest and tax calculations - Gold, silver, foreign currency and crypto integration - Focused on taxation across 21 countries, 26 currencies supported - Instant access to local market data **Real Debt Projection** How tiered interest works on your credit card, when your loan ends, how much your gold debt grew at market price — all in clear numbers. **Smart Simulation Engine** Answer "if I pay 5,000₺ this month, when does it end?" in seconds. Compare different payment scenarios. **Comprehensive Debt Management** - **Credit Card:** Tiered interest, minimum payment, automatic tax calculation - **Loan:** Annuity instalment plan, remaining payment view - **Cash Debt:** Per-person tracking, with or without a due date - **Precious Metals:** Live rate impact on gold/silver debts - **Forex & Crypto:** USD, EUR, Bitcoin, Ethereum and more **Smart Payment Planning** - Build your monthly payment calendar automatically - See how much to pay on which day - Minimum payment and interest amounts calculated automatically - Payment day reminders via notifications - Let due payments be marked "paid" automatically **Works Around Your Payday** The app builds the month around your payday, not the calendar month. Enter your starting balance and see your remaining balance day by day. **Income & Expense Control** - Ready-made expense categories (rent, groceries, transport, leisure...) - Recurring payments: weekly, biweekly, monthly - Monthly budget tracking and variance analysis - Income-expense balance chart **Asset Portfolio** - **Gold:** Quarter, half, full and Republic gold - **Silver:** Tracked by the gram - **Forex:** 26 different currencies - **Crypto:** Bitcoin, Ethereum, USDT and popular coins - **Term deposit:** Interest accrues daily, reflected in the value instantly - Valuation at live market prices - Net worth: Assets − Debts = your financial strength **Available Balance or Reserve?** Your gold, foreign currency and term deposits count as "reserve" and stay out of your spendable balance — "what I own" never gets mixed up with "what I can spend this month". **Savings Goals** Set your target amount and date, prioritise them, watch your progress. **Live Market Data** - Gold: gram, quarter, half, full - Silver: by the gram - Forex: USD, EUR, GBP, JPY and 22 more - Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE... - Follow price movements on charts - Automatic rate updates **Summary and History** - Monthly financial summary: your situation at a glance - Debt progress line: how close are you to your goal? - Net worth trend: are you getting wealthier? - Payment history and transaction history: what you did and when **Financial Calendar** - Income, expenses and debt due dates, day by day - Daily remaining balance projection - Colour-coded categories - Filterable view **SECURITY & PRIVACY** - Biometric lock with Face ID / Touch ID - Your data is stored encrypted on your device, the server connection is encrypted - Keep using the app offline — your actions are queued and synced automatically once you reconnect - Your data is tied to your account; just sign in when you change phones **USER EXPERIENCE** - Modern, clean interface: no tangled menus, everything one tap away - Dark & light theme: pick the mode that suits your eyes - 21 language support - Sign in with Google: quick setup, start right away - In-app guide and frequently asked questions **WHO SHOULD USE IT?** - Anyone who wants to reduce credit card and loan debt - Gold, foreign currency and crypto investors - Anyone who wants to balance income and expenses - Anyone preparing for a debt-free future *Note: Market data is for information only. Discuss investment decisions with professional advisers.*

Two ledgers, one app: your personal budget and your business books. Log income and expenses in one tap and keep your budget on track; for your business, keep customers on account, write invoices, and watch payments come in. Ad-free. PERSONAL — free • Income & expense tracking — categorize every transaction • Accounts & cards — manage multiple accounts in one place • Budgets — set category budgets and get alerts when you overspend • Savings goals — watch yourself get closer to what you want • Recurring transactions — auto-log rent, salary, and bills • Subscription tracking — never forget Netflix, Spotify and more • Debts & loans — installment plans and early payoff amounts • Reports & charts — clearly see where your money goes • Smart insights — tips about your spending habits • Multi-currency — each account in its own currency • Face ID / PIN lock — keep your finances private BUSINESS — for shops, freelancers, small companies and teams • Contacts on account — customer and supplier balances on one screen; share a statement, send a reminder over WhatsApp or SMS • Invoices & quotes — automatic numbering, VAT and withholding; turn a quote into an invoice in one tap • Receivables — open and overdue totals on your home screen • Team & roles — invite your team; staff report expenses with a receipt, you approve • Cash register — opening, count, difference • Tax calendar — VAT, withholding and provisional tax periods • Stock — issuing an invoice moves stock; low-stock warnings • Time entries — bill your hours to an invoice • Staff advances & payroll records • Business report & accountant export — share the period's invoices as CSV AI — with your account, free for now • Scan receipts — take a photo; amount, date and category fill in • Purchase invoices — supplier, line items and VAT from a photo, PDF or e-invoice XML • Bank statements — CSV, Excel and PDF; balance check, duplicate removal, category suggestions • Loans from a repayment plan — pick your bank's plan and the loan form fills in • Monthly review — what changed this month, in a few points Nothing is written to your ledger until you save. Your documents are analyzed, not stored. ACCOUNT & CLOUD SYNC Open a free Paranova account and your data is backed up to the cloud and synced across your devices — switch phones and nothing is lost. The business ledger and team features run on your account. You can also start without an account and move your records over when you sign up. PRIVACY Your data is stored on our servers in Turkey and travels over an encrypted (HTTPS) connection. It is never sold, never used for ads, never shared with third parties. Without an account, your records stay on your device. Receipt photos are kept on your phone; documents you have read by AI are analyzed and not stored. You can delete your account and your data from inside the app at any time. Business modules are free for the length of the beta. WHO IS IT FOR? Anyone who wants to see where their money goes — and anyone running a shop, a freelance practice or a small company from their phone. Contact & support: info@paranovaapp.com