Finfolio vs FinanceToolkitt

Finfolio is your all-in-one personal finance companion — track every bill, grow your wealth, and understand your spending, all in one beautifully simple app. Whether you're managing credit card dues, SIP investments, insurance renewals, FDs, or your family's net worth — Finfolio puts everything in one place, works offline, and keeps your data private. BILLS & SUBSCRIPTIONS Never miss a payment again. Track credit card dues, EMIs, insurance premiums, LIC policies, utility bills, OTT subscriptions, and more. Finfolio reminds you before every due date — days, weeks, or months in advance. • Smart reminders with custom lead time • Location-based alerts — remind when you arrive at a place • Auto-advance due dates after payment • Overdue detection with badge alerts • Duplicate bill detection before saving • Full payment history per task WEALTH & NET WORTH Know exactly where you stand financially at any moment. • Real-time net worth calculation across all assets and liabilities • Net worth trend chart over time • Mutual Fund SIP tracking with cumulative invested amount and CAGR projection • Inflation-adjusted SIP returns • Gold tracking (physical + digital) with live price per gram • Fixed Deposit tracker with maturity calendar and early alerts • Property, vehicles, and other assets • 80C Tax Saving Tracker — visualize progress toward ₹1.5L limit (PPF, NPS, SIP, FD) • Bill amount history sparkline for every investment row • Debt payoff progress bars for liabilities • Family member profiles — separate view per person BUDGET & INSIGHTS Understand your spending patterns and stay on track. • Monthly category budgets with live vs. actual comparison • 6-month spending trend chart with average line and highest/lowest callout • Predicted overspend alert — get notified when your pace exceeds last month by 10% • Savings rate tracker • Income logging (salary, rent, freelance, and more) • Surplus transfer to bank balance • Spending breakdown by category DOCUMENTS Keep all your financial documents safe and organized. • Scan and store receipts, bills, and financial statements • PDF viewer built in • Folder organization • Share documents with collaborators via share code • Monthly PDF report generation BACKUP & RESTORE Your data, always safe — even without iCloud. • Full backup to a single .finfoliobackup file (tasks, payments, PDFs, settings, SIP history — everything) • Optional AES-256 password encryption for backups • Restore from any backup file, even after deleting the app • Save backups to iCloud Drive, Google Drive, or email them to yourself SHARE & COLLABORATE • Share tasks with family or friends via a unique share code • Real-time sync via CloudKit — changes appear instantly across devices • Share financial documents securely DEEP APPLE INTEGRATION • Siri Shortcuts — "Hey Siri, what's my net worth?" or "Kitna bacha hai budget mein?" • Home Screen Widgets (small, medium, lock screen) — see upcoming dues at a glance • Interactive medium widget — mark tasks as paid directly from your home screen • Spotlight Search — find any bill from your home screen • Apple Calendar sync • Face ID / Touch ID lock • CSV export for Excel • PDF export for reports • iCloud sync across iPhone and iPad PRIVACY FIRST Your financial data stays on your device. No accounts required. No data sent to external servers. Location is used only on-device for geofenced reminders. DISCLAIMER Finfolio is a personal finance helper — not a financial advisor. All calculations are estimates. Always verify important financial data with a qualified professional. Use it as a helper, not an advisor.

Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads. WHY PEOPLE SWITCH • No account or sign-up — open the app and start • Your data stays on your device; iCloud sync is optional and yours to control • No ads, no trackers, no bank logins • Works fully offline VOICE AND SIRI EXPENSE ENTRY Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts. 19 FINANCIAL CALCULATORS Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results. AMORTIZATION THAT ACTUALLY HELPS Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV. EXPENSE TRACKER • 27 categories with tags and notes • Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised • Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections • Pie charts, monthly and yearly views, search and filters • Multi-select and batch delete • Export as PDF or CSV MONTHLY OUTFLOW AND PAYMENT REMINDERS Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself. INVESTMENT TRACKER FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported. IMPORTANT DOCUMENTS Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where. WIDGETS Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen. SECURITY Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher. BUILT FOR MORE THAN ONE COUNTRY 11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP. 9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR. ALSO INCLUDED Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import. Requires iOS 18.