NetBudget vs Eluna Budget

How much money do you really have left at the end of the month? NETbudget calculates your remaining budget in just a few minutes and tells you exactly where to take action. Based on the universal 50/30/20 rule (Elizabeth Warren), it categorizes your expenses into essentials, lifestyle, and savings, projects your next 12 months, and provides 23 personalized recommendations. Everything runs 100% on your phone — no account, no cloud, no ads. YOUR INCOME • Multiple income sources supported: salary, freelance, rental income, dividends… • Automatic gross-to-net conversion based on your status (employee, executive, public sector, self-employed) with editable tax rates • Annual / monthly / one-time payments (bonus, 13th month salary, dividends) YOUR LOANS • Monthly payment automatically calculated from loan amount, rate, and duration • Or manually enter the amount if you already know it YOUR EXPENSES (50/30/20 RULE) • Three clear categories: Essentials, Lifestyle, Savings • Pre-filled lists (groceries, transport, savings accounts, investments, life insurance…) fully customizable WORLDWIDE SUPPORT • Full support for 8 languages: French, English, Spanish, Portuguese, German, Italian, Arabic, Japanese • 558 cities across 59 countries with cost-of-living indexes • 15 currencies (€,$,£,¥,CHF,BRL,INR,CFA franc…) • Real-time currency converter with history PERSONALIZED INSIGHTS • 23 recommendation cards based on your real financial situation • Trusted thresholds: 50/30/20 rule, 35% debt ratio, rent ≤ 1/3 of net income, emergency fund, investor profile • Fully translated into all supported languages CLEAR VISUALIZATION • Donut chart of your monthly expenses • 12-month projection, detailed tables, yearly totals • Clean PDF export in your language PRIVACY FIRST • 100% offline (except exchange rates, updated every 6 hours) • No data leaves your phone • No account, no tracking, no advertising Designed in France. Download NETbudget and take control of your finances in just 5 minutes.

Eluna Budget keeps every transaction on your phone. No bank login, no account, no subscription, no ads. Nothing to sign up for, and nothing to cancel later. WHY NO BANK CONNECTION An aggregator wants your banking credentials and sells what it learns from them. This app never asks. You type an expense in a couple of seconds, or photograph a receipt, and that stays between you and your device. TWO WAYS TO BUDGET Simple limits: a ceiling per category and how much is left. Or envelopes: give every amount that comes in a job until nothing is unassigned. Both support rollover, and a period that starts on your card's statement day instead of the 1st. SEE WHERE IT IS HEADED Net worth across every account as one trend line. Forecast to the end of the month from your recurring bills and income, with a warning before the balance goes under. Auto-categories from local rules — payee contains Starbucks, category is Coffee. No bank sync, no cloud AI; the rules run here. FAST ENTRY A calculator keypad, repeat-last, long-press a category for its subcategories, and receipt scanning that reads the total from a photo on the device itself. The photo goes nowhere. EVERYTHING A LEDGER NEEDS Accounts, categories, tags, transfers, split transactions, recurring payments, savings goals, debts in both directions, and reconciliation against a paper statement. 63 CURRENCIES Each account in its own currency. Rates refresh once a day if you allow it, or you type them in by hand and nothing is ever fetched. IMPORT INSTEAD OF A BANK LOGIN CSV, OFX and QIF files from your bank, read on this device. The app remembers each bank's column layout so the second import is one tap. YOUR DATA, YOURS TO TAKE Full CSV and JSON export, free and always there. Encrypted backups behind a password, automatic backups on a schedule, and PDF reports for any period. SYNC WITHOUT OUR SERVER We do not run one. Sync goes through your own iCloud, or through a file you control — a shared folder, a network disk. Whoever holds that file sees ciphertext and nothing more. PRIVATE BY CONSTRUCTION The database is encrypted with SQLCipher. Lock the app with a passcode or Face ID. There are no analytics, no crash reporters, no ad networks and no cloud AI anywhere in the dependency tree — not switched off, absent — and you can check that yourself on the licenses screen. The only requests the app can make are exchange rates, and only if you turn them on. FREE Every feature, from the first launch. There is no paid tier, no trial and no watermark. The only thing you can buy is a tip, and it unlocks nothing. ONE HONEST NOTE There is no background sync on iOS: changes travel when you open the app, not while it is closed. Also: 61 languages, nine app icons, and achievements awarded for the habit of writing things down — never for how little you spend.