HisabRakh vs Daybook

HisabRakh - Keep Your Accounts, Effortlessly. Hisab Rakh is the all-in-one personal and social finance app built for how people actually manage money — splitting rent with roommates, lending to a friend, saving for a trip together, and tracking daily spending. No spreadsheets. No awkward "you still owe me" conversations. Just clear, shared, accountable money management. Designed mobile-first for South Asia and built to work even when your connection doesn't, HisabRakh logs every transaction locally and syncs the moment you're back online. EFFORTLESS EXPENSE & INCOME TRACKING • Log an expense in under 3 seconds — amount, category, done • Pre-built and custom categories, plus cross-category tags • Track every income source for a complete cash-flow picture • Recurring expenses and income auto-logged for you SOCIAL FINANCE & BILL SPLITTING • Create groups for roommates, trips, households, or friend circles • Split shared expenses equally, by percentage, by shares, or custom amounts • Smart settlement suggestions minimize the number of payments needed • Real-time activity feed keeps everyone on the same page LOAN TRACKING (LENDING & BORROWING) • Track money you've lent or borrowed with running balances • Log partial payments and settle up with full transparency • Payment reminders for upcoming and overdue amounts • Built for informal lending the way it really works GOALS & SAVINGS • Set savings goals with targets and deadlines • Track progress with milestones and celebrations • Invite others to contribute toward shared goals BUDGETS & INSIGHTS • Set category budgets and get alerts at 75%, 90%, and 100% • Monthly summaries of income, expenses, savings, and loans • Spending trends, net-worth tracking, and exportable reports (Pro) BUILT-IN COMMUNICATION • Every loan, shared expense, and goal has its own discussion thread • Group chat keeps financial conversations in context • Automatic system updates when payments and expenses are added PRIVATE & SECURE • Biometric (fingerprint / Face ID) and PIN lock • Encrypted discussion threads • Granular control over what group members can see • Your data, your control — full export and account deletion anytime WORKS OFFLINE Log expenses on a flight, in a basement, or anywhere with no signal. Everything syncs automatically when you reconnect. FAIR, RESPECTFUL MONETIZATION The free tier is genuinely useful — supported only by small, clearly-labeled banner ads, never disruptive full-screen or pop-up ads. Every ad shows a one-tap "Remove ads" option. Want to try Pro? Watch one short opt-in video to unlock all Pro features free for 7 days — or subscribe to go completely ad-free. Download HisabRakh today and finally keep every rupee in hisab. — SUBSCRIPTION & LEGAL HisabRakh Pro is available as an auto-renewable subscription, billed monthly or yearly at the price shown in the app. Payment is charged to your account at confirmation of purchase. Your subscription renews automatically for the same period unless canceled at least 24 hours before the end of the current period; you can manage or cancel anytime in your account settings. Terms of Use (EULA): https://hisabrakh.com/terms Privacy Policy: https://hisabrakh.com/privacy

Track spending on your iPhone. Keep the ledger private. Daybook is a simple expense and income tracker. Records stay on your device. Optional backups go only to your iCloud Drive — we do not run a server for your money. Add a transaction in a few taps, then filter, export, or back up when you need to. WHAT YOU CAN DO • Log amount, category, source, date, and a note. Edit or delete any entry later. • See credit, debit, and balance for the dates on screen, including a two-column layout for expenses and income. • Start from defaults like Food, Transport, and Salary, or add your own categories and sources, each with an emoji. • Filter by date, category, or payment method. Optionally keep filters between launches. • Export a PDF report or a CSV file. Import a Daybook CSV, including the older export format. • Turn on iCloud Backup in Settings to save a copy in your own iCloud Drive. Restore replaces the local ledger from that file. PRIVACY Transactions, categories, and sources are stored on your device. There is no Daybook account for your ledger. No ads, no tracking pixels, and no sale of financial data. Questions: mangoishapp@gmail.com