Fince vs Kova

Your budget, on your iPhone — not in someone else's cloud. Fince is a private budget tracker. No bank login, no account to create, no ads, no trackers. You note what you spend, and Fince turns it into a clear picture of your month. NEW IN 2.0 • Accounts — cash, bank, cards and savings, with transfers between them • Recurring bills and income, with a reminder the day before • Savings goals that follow your savings accounts • Debts — what you owe, and who owes you • A 30, 60 or 90-day forecast of your balance • Receipt photos, with the text read on your iPhone • Home Screen and Lock Screen widgets, and quick add with Siri • Private iCloud sync between your devices (optional) EVERYDAY TRACKING • Add an expense in seconds, or type "coffee 4.50" and let Fince fill in the rest • Budgets per category, with alerts at 80% and 100% • Charts by category, a spending calendar and search • Any currency, with the exchange rates you choose • Tags, notes and a Health Score for your month AI, WHEN YOU WANT IT • Weekly insights generated on your iPhone with Apple Intelligence, where available • An AI chat (Premium) for questions like "Where did my money go this month?" Only the AI features send data, and only once you allow it: when you use the chat, or weekly insights that can't run on your iPhone, your totals, budgets, bills still due, top categories and latest transactions with their notes go to our server and to Anthropic, with an anonymous install ID. You can leave notes out in Settings. PRIVATE BY DESIGN • Stored on your iPhone, encrypted with your passcode • Face ID lock, and a privacy mode that hides amounts • No analytics, no advertising, and your data is never sold • Daily automatic backups on your device, and export to JSON FREE AND PREMIUM Fince is free, with up to 3 budgets a month and one online weekly insight a week. Premium adds the AI chat, unlimited budgets and insights, and CSV export, with a monthly or yearly subscription. Cancel anytime in your App Store settings. Fince speaks English, French, Arabic, German, Italian, Korean, Japanese, Spanish and Brazilian Portuguese. Privacy Policy: https://fince.app/privacy Terms of Use: https://fince.app/terms Contact: contact@fince.app

Kova is the fastest way to track your spending and stay on top of your money. Built for people who want a simple, private expense tracker that just works. Every dollar you enter stays on your device. Track expenses in seconds Add an expense in two taps. Pin your most frequent ones to Quick Add for one-tap logging on the go. Know where your money goes See your spending broken down by category. Drill into any category to see every transaction. Filter by last 7 days, this week, or last week to spot patterns fast. Budget with a plan that fits you Choose from three popular budget splits — 50/30/20, 60/30/10, or 70/20/10 — or build your own. Set a budget base amount and Kova shows you exactly how much you've spent against each group in real time. Built for the Caribbean Kova is GYD-first with full support for USD, TTD, BBD, EUR, and GBP. No forced currency conversions. Support for more currencies to come. Your data, your device No account required. No cloud sync. No tracking. Everything you enter is stored locally and stays private. Export your data as a CSV at any time. Completely free. Always. Every feature in Kova is free. No paywalls. No premium tier. No subscription.