Conomi vs ZenCena

Conomi es tu asistente personal de finanzas. Diseñado para ayudarte a llevar el control de tus tarjetas de crédito, pagos a meses sin intereses (MSI) y servicios domiciliados — sin pedirte credenciales bancarias. Funciones principales: • Registra múltiples tarjetas de crédito y débito • Controla tus compras a meses sin intereses con cronograma mensual • Visualiza cuánto pagas cada mes por tarjeta y por categoría • Recibe recordatorios locales de fechas de corte y pago • Da seguimiento a servicios domiciliados (luz, internet, streaming, créditos) • Exporta tus datos en JSON o CSV cuando quieras Gratis: • Todas las funciones de Conomi son gratis • Si quieres, crea tu cuenta con Google, Apple o un código por correo y quédate con las promociones y beneficios exclusivos para quienes empezaron aquí — es opcional y la app funciona completa sin cuenta • Puedes eliminar tu cuenta y tus datos asociados en cualquier momento desde Perfil Privacidad y seguridad: • Tus datos financieros (tarjetas, pagos, MSI) viven en tu dispositivo • Nunca pedimos credenciales bancarias, números completos de tarjeta ni acceso a tus cuentas • Si inicias sesión, solo recibimos tu correo, tu nombre y tu avatar del proveedor de identidad • Cumple con la Ley Federal de Protección de Datos Personales en Posesión de los Particulares (LFPDPPP) • Bloqueo biométrico opcional (Face ID, Touch ID, huella) Perfecto para: • Personas con varias tarjetas de crédito • Quienes hacen compras a meses sin intereses con frecuencia • Quienes quieren visualizar sus compromisos financieros del mes Conomi no es un servicio bancario, ni un agregador de cuentas, ni un procesador de pagos. Es una herramienta personal para organizar y visualizar tus finanzas.

ZenCena is the personal finance app that respects your privacy: no forced login, and your information is never shared with anyone. Now with the 50/30/20 rule to split your money without complicated bookkeeping. THE 50/30/20 RULE Divide what you earn into three parts and see whether your month is balanced: • 50% for what you need: rent, groceries, utilities, commuting, health • 30% for what you enjoy: restaurants, streaming, clothes, travel • 20% for your future: savings, investments, goals and debt payments Your categories come pre-sorted, so you never have to tag expense by expense. Tap any part of the split to see what makes it up and fix anything that doesn't fit. Includes a tutorial explaining the rule, always available from Profile. WHAT YOU CAN DO • Track income, expenses and transfers between accounts • Manage accounts: debit, credit, savings, cash, investments, loans • Attach a receipt photo to your transactions • Set monthly budgets per category with alerts at 80% and 100% • Save with goals: put money aside for a target or keep it open-ended • Schedule recurring transactions (subscriptions, salary, rent) • Get payment reminders for your credit card • See your spending with charts by category and by month • Find any transaction instantly by title, amount, category or account • Custom categories with the icon and color you like • Choose from 58 currencies, each with its own symbol and local format • Light, dark or automatic theme • Biometric lock (Face ID / Touch ID) • Exportable annual report PRIVACY FIRST Your financial information is yours. By default, ZenCena sends no transactions, balances or account names to any server: everything lives in your device's private storage, protected by the system's encryption. No mandatory account, no forced email, no tracking of what you spend. To improve the app we use anonymous analytics (events like "transaction added") and crash reports with no personal data. If you turn on cloud sync (optional Premium), your data is backed up encrypted on our servers and you can delete it any time from the app. PREMIUM The free version is generous: 3 accounts, 10 custom categories, 2 savings goals, 3 budgets, 5 reminders, 2 recurring transactions, and the 50/30/20 rule included. Premium unlocks everything with no limits, custom percentages for your plan, photo receipts, backup export, annual report and multi-device sync. ZenCena Premium subscription plans: • ZenCena Premium Monthly: $3.99 USD per month • ZenCena Premium Yearly: $24.99 USD per year (includes a 7-day free trial) Subscriptions renew automatically at the end of each period unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple ID account upon confirmation of purchase. You can manage and cancel your subscriptions in your Apple ID settings after purchase. Any unused portion of a free trial period is forfeited when you purchase a subscription. Terms of Use (EULA): https://zencena.app/terms-en Privacy Policy: https://zencena.app/privacy-en SUPPORT Email: soporte@zencena.app Bugs: https://forms.gle/JDkHQ281oPcGsagP9 Made with care in Mexico.