Envelope Lite vs PayNote

Take control of your money with Envelope Lite - a simple, privacy-first budget tracker. Divide your income into different envelopes, log expenses in seconds, and see exactly where your money goes. Local-first - your financial data stays on your device. Ad-supported with consent controls. How it works: Divide your monthly income into different budget envelopes - Food & Dining, Bills & Utilities, Family & Personal, Savings Fund, and Emergency/Debt. Every time you spend money, log it in the right envelope. See instantly how much you have left. Key Features: - Envelope Budgeting - different budget envelopes with adjustable amounts. See spent vs budget at a glance with color-coded progress bars. - Quick Expense Logging - Built-in calculator with quick keys for fast amount entry. Log an expense in under 15 seconds. - Sub-Categories - Classify expenses within each envelope (e.g., Breakfast, Lunch, Dinner under Food & Dining) for detailed spending insights. - Payment Tracking - Record how you paid: Cash, Bank Account, E-wallet (Momo, ZaloPay, GrabPay, VNPay), or Card (Credit, Debit, Prepaid). - Discount & Voucher Tracking - Record original price and discount separately. Know what you actually paid vs what you saved. - Spending Reports - Visual reports with charts showing budget vs actual, spending by category, and payment source breakdown. - Smart Reminders - Daily notification that adapts to your activity. Already logged your expenses? The reminder stays quiet. - Tags - Add freeform tags like store names or people for quick context on any transaction. - Local-First - All your financial data stays on your device. No account required. No cloud sync. The app works fully offline once installed. Privacy First: Your financial data never leaves your device - no transactions, budgets, or notes are uploaded anywhere. Envelope Lite is ad-supported (Google AdMob); you can choose personalised or non-personalised ads at first launch and change your mind any time in Settings -> Privacy & Data. See the privacy policy for what AdMob handles. Designed for daily use: The app is built around one habit: spend money, open app, log expense, close app. Everything is optimised for this 15-second daily action. Perfect for: - Anyone starting their budgeting journey - People who prefer cash-based or envelope-style budgeting - Users who value privacy and want no cloud dependency - Southeast Asian markets with VND-optimised amount input

Tap. Pick. Done. PayNote is a personal expense book that stays on your phone. Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading, for the right amount. A few seconds, and nothing is required except the amount. Nothing to remember and enter tonight. No spreadsheet to open. EVERYTHING STAYS ON YOUR PHONE PayNote works fully offline. No sign-up, no login, no account, no server holding your spending history. It never asks to read your messages, never reads bank notifications, and is connected to no bank or e-wallet — so nobody, us included, can see your account. To move to a new phone or keep a spare copy, export a backup file to iCloud Drive or anywhere you like. The file is encrypted and can carry a password, so a copy that ends up in someone else's hands is unreadable. QUICK ENTRY • Add income and Add expense right on the home screen and on the home-screen widget • A dedicated number keypad with a 000 key, built for one thumb • 15 default categories with icons; rename them, change the icon, add your own • Made a mistake? Edit the entry — the app keeps a history of the change • A daily reminder at the time you choose, scheduled entirely on the phone AN EXPENSE BOOK THAT STAYS SIMPLE • The home screen shows this month's income, spending and balance, with recent entries • Monthly statistics: spending by category, income against spending, one tap to switch months • Spending limits for the month and for each category, with a warning before you go over • Several wallets — cash, bank, e-wallet — each with its own balance • 20 currencies: VND, USD, JPY, EUR… one per wallet, switched right on the home screen • Search your history, accent-insensitive • Vietnamese, English and Japanese interface, amounts formatted the way each language reads them BASIC AND PRO PayNote has no ads, in the free version and the paid one alike. Basic is free and is a complete expense book: unlimited entries, categories, history, monthly statistics, budgets including per-category limits, the widget, the daily reminder, 2 wallets, and CSV export that opens in Numbers or Excel. PayNote PRO is a one-time purchase, yours forever — not a subscription, nothing auto-renews. PRO adds unlimited wallets so cash and each bank keep their own balance, month-on-month and six-month trend reports, password-protected encrypted backup and full restore, and categorisation that learns from what you log. A 7-day trial is included, no card required.