NetBudget vs Enoughly

How much do you really have left at the end of the month? NETbudget works it out in minutes: you enter your income and expenses, the app does the rest. No connection to your bank, ever. Your budget lives on your phone, and with an account, whatever syncs is encrypted before it leaves, with a key only you hold. A BUDGET YOU READ AT A GLANCE • Money left this month, expenses by family (needs, wants, savings) and the whole year in one table • A pictogram for every line, found from its name: basketball, transit pass, health plan • Expenses by period: skiing in winter, holidays in summer • Several income sources, each with its own deductions, plus income tax withheld at source in 32 countries • Loans with a full schedule, a 15-currency converter, PDF export OFFICIAL BENCHMARKS, NOT OPINIONS Your housing, grocery or dining share against the average household in your country: Eurostat in Europe, BLS in the United States, ONS in the United Kingdom, Statistics Canada, ABS in Australia. The source and the year are always shown. A 50/30/20 benchmark that adapts to your profile, your city and your housing. A COACH THAT CITES ITS SOURCES 282 tips, filtered by your age, household, housing and country. Each one cites its official page and its verification date: unclaimed benefits, regulated savings, taxes, insurance. A tip of the week every Monday. A BUDGET FOR TWO, OR MORE One invitation code, and the shared budget shows on both sides. Each of you keeps a private space. As a family: up to six people, three spaces, the household's birthdays and projects. ONE SPACE PER PROJECT Wedding, trip, baby, party: three questions, and the budget is set with its lines, its timeline and its reminders. NOTIFICATIONS WORTH THE INTERRUPTION The monthly check-in, the tip of the week, a project milestone coming up. You set the weekly cap. FREE TO START Budget, loans and converter are free, with no account and no time limit. The plans add the Coach, the Monday tip, projects, all benchmarks and unlimited incomes. Duo and Family add the shared budget: invited members enjoy it without paying. Eight languages, 59 countries, 499 cities with their cost of living. Built in France by an independent developer. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.netbudget.app/privacy

Know what's actually safe to spend. Most budgeting apps think in calendar months. Your money doesn't — it arrives by paycheck and leaves through bills. Enoughly is built around that reality: one honest number tells you what's truly spendable after the bills due before your next payday, with a safety net you never touch. ONE PURCHASE. NO SUBSCRIPTION. NO BANK LINKING. Enoughly is free to try for 14 days, then a single one-time purchase unlocks it forever on Mac, iPhone and iPad, with Family Sharing. It never asks for your bank credentials — import your bank's CSV, QFX, or OFX files instead. There are no servers, no accounts, and no analytics: your data lives on your devices and syncs through your own iCloud. The privacy label says "Data Not Collected" because that's how it's built. SAFE TO SPEND • Liquid cash − bills due before payday − your safety net = one glanceable number • On the Dashboard, in the Mac menu bar, and in home-screen and Lock Screen widgets • A Discreet widget option shows your status with no dollar amounts at all PAYCHECK-ENVELOPE BUDGETS • Give each category an allowance that refills every payday • Build envelopes automatically from your real spending history • See what's left in every envelope, and what's leaking outside them BRING IN YOUR TRANSACTIONS • Import the CSV, QFX, or OFX files your bank already offers • Automatic categorization, custom rules, and duplicate detection GET OUT OF DEBT • Snowball and avalanche payoff plans with dates and interest saved • A printable per-payday payment plan • What-if simulator: see how financing a car or making a lump-sum payment moves your debt-free date — including trade-ins with negative equity INSIGHTS THAT WATCH YOUR BACK • Paycheck report card after every payday: what came in, where it went • Alerts for bill spikes, possible double charges, and subscriptions that quietly raised prices • Optional AI coaching by Apple Intelligence, in the personality of your choice — from a drill sergeant to a butler YOUR DATA IS YOURS • Encrypted, password-protected backups • One-tap CSV export that opens in any spreadsheet or finance app • Net worth tracking across cash, credit, property, vehicles, and investments Enoughly: the paycheck-first budget for people who want one clear answer — can I afford this before payday?