Statement Bureau vs SAFE Budgeting

Statement Bureau turns eligible Wallet financial transactions into clean CSV files for your favorite budgeting tool, spreadsheet, or personal archive. On-device. Permission-based. Built for people who already have enough admin. EXPORTS THAT MATCH YOUR TOOLS • Generic CSV for any aggregator that accepts the format. • Monarch-style CSV ready to drop into Monarch's import folder. • YNAB-style CSV mapped to YNAB's expected columns. • Customizable filename templates so files sort the way you want. CHOOSE WHAT GETS EXPORTED • Pick the eligible Wallet card accounts you care about. • Pick a start and end date for the export. Free exports cover up to 3 months of activity at a time; Bureau Chief removes the limit. • Preview transactions and totals before you commit. ON-DEVICE BY DESIGN • Statement Bureau uses Apple's FinanceKit framework with your permission. • Transactions are processed on your device. • No developer-operated server. No advertising SDKs. No analytics SDKs. • Generated CSVs are saved to the location you choose, including iCloud Drive. OPTIONAL: BECOME BUREAU CHIEF A one-time in-app purchase unlocks: • An unlimited manual export date range (free exports cover up to 3 months). • Automatic background exports — a rolling CSV that refreshes itself in your chosen folder. • Lookback window from 7 to 365 days. • Optional notification on each successful export. • Family-shareable. No subscription. No recurring fee. WHO IT'S FOR • Monarch, Copilot, Tiller, YNAB, and Lunch Money users who want a tidy import path for Wallet activity. • Spreadsheet users who'd rather build their own dashboard. • Anyone who wants a personal archive of Wallet transaction history. REQUIREMENTS • iOS 17.4 or later for FinanceKit access. • An Apple Account with eligible Wallet financial data. PRIVACY Statement Bureau accesses Wallet financial data only with your permission and only to generate the CSVs you ask for. Nothing is sold, shared, or sent to a developer-operated server. Read the policy at bureau.middleout.dev/privacy. Statement Bureau is independent and is not affiliated with Apple Inc. Apple, Apple Wallet, Apple Card, iCloud, and FinanceKit are trademarks of Apple Inc.

SAFE Budget is the personal finance app where your money stays with you. Your ledger lives in its protected local storage and your private or explicitly shared iCloud. SAFE Budget operates no financial-data server. WHY SAFE IS DIFFERENT PRIVATE BY ARCHITECTURE SAFE Budget has no account system and no hosted ledger backend. Synced ledger values use CloudKit encrypted fields and attachments use CloudKit assets. Apple documents that these fields and assets are end-to-end encrypted when Advanced Data Protection is enabled; otherwise they remain encrypted in transit and on Apple's servers under standard iCloud protection. Your device authentication protects access to the app's local copy. PRIVATE PROCESSING, USER-CONTROLLED SYNC - Apple Wallet: link your Apple Card, Apple Cash, and Apple Card Savings through Apple's FinanceKit. This data is read from Wallet on your device, stored in the same protected ledger, and never sent to the developer. It's optional, off until you enable it, and revocable anytime in Settings. - Bank sync via SimpleFIN, or bring your own Plaid developer keys. Credentials stay in your Keychain and sync only through Apple's end-to-end-encrypted iCloud Keychain to your own trusted devices. SimpleFIN and Plaid are independent services you authorize directly — SAFE is not affiliated with them and operates no server that could ever see your data. - Smart transaction categorization that runs locally - Receipt OCR with Apple's Vision framework runs on-device; photos you choose to keep sync as CloudKit assets in your iCloud SimpleFIN and Plaid process bank data under their own privacy policies when you enable them. RECEIPTS, WARRANTIES & ITEM-LEVEL SPLITS Snap a receipt and let on-device OCR read it. Split a purchase line by line into its own categories. Track warranties and get a heads-up before coverage ends. PLANNING THAT GOES BEYOND BUDGETING - Loans & debt payoff (avalanche vs. snowball) - Mortgage analytics — equity, LTV, PMI, payoff dates, affordability - Tax projection — brackets, FICA, withholding adequacy - Retirement & 401(k) projections with employer match - Savings goals with a required-contribution solver - Home project budgets FORECASTING & CASH-FLOW MODELING See a day-by-day running balance built from your real pay dates and bills, with a cash-flow-cliff warning. Drag a what-if slider to test any decision. Project net worth 30+ years out with conservative, expected and optimistic bands, inflation-adjusted. PROACTIVE INSIGHTS & REPORTS Low-balance, overspend, credit-utilization, subscription-creep, duplicate-charge, and warranty-expiry insights — plus a reports gallery (spending, income vs. expense, net-worth trend, cash flow, money-flow Sankey, year-in-review) and a custom report builder. HOUSEHOLD SHARING Invite a partner through Apple's CloudKit sharing. Owner, editor and guest permissions control access; the owner can remove a participant, and each device attributes changes to the profile that person selected. Settle-Up keeps shared expenses fair. NATIVE ACROSS YOUR APPLE DEVICES Built in SwiftUI for iPhone, iPad, Mac, and Apple Watch. Home-screen and lock-screen widgets, a glanceable Watch app, Siri ("What's left this month?"), Control Center quick-add, and Mac/iPad keyboard shortcuts. Widgets redact automatically when your device is locked. NO ADS. NO DATA SELLING. NO TRACKING. No advertising, no advisory commission, and no developer-operated ledger server. Your devices, your iCloud, your control. PRICING Free to download. Reading and exporting your data always work without paying. Creating and editing needs SAFE Budget Plus — $9.99/year, first month free, or $29.99 once for lifetime. Family Sharing supported. Renews automatically unless cancelled at least 24 hours before the period ends; manage in Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://harveybl.github.io/aitodo-legal/privacy-safebudget.html