FinanceForest vs Paydar

Know your number. Actually. Finance Forest: Net Worth is the private, net worth tracker for iPhone and iPad. Add one snapshot a month — every account, every trend, every goal — stored entirely on your device with nothing sent to any server. WHAT YOU TRACK Assets: checking, savings, emergency fund, brokerage, ETFs & stocks, 401(k), IRA, Roth IRA, real estate, crypto, vehicles, HSA, business equity, valuables, foreign accounts, index funds, 529 plans, and more — plus unlimited custom account types you define yourself. Liabilities: mortgage, credit cards, auto loans, student loans, HELOC, personal loans, medical debt — plus any custom debts you name. MONTHLY SNAPSHOTS Add one snapshot per month. Smart prefill carries your previous balances forward so each update takes seconds. Every account, every value, every month — stored in order forever with no paywall on your history. FIRE CALCULATOR Set your total Financial Independence number and liquid bridge corpus using safe withdrawal rate math. Watch your real portfolio fill the progress bars as you save — with separate targets for total FIRE and bridge corpus, plus target age countdowns. INSIGHTS See what's actually driving your number. Top movers by absolute and percentage change, all-time gain, CAGR, tracking duration, liquid vs. illiquid asset split, and FX rate trends for multi-currency portfolios. MULTI-CURRENCY Track accounts in two currencies. Enter the FX rate with each snapshot — no live data feeds, no third-party access to your numbers. PRIVACY — NO COMPROMISES • Zero servers. Your data never leaves your device. • iCloud sync via Apple's own CloudKit — encrypted end-to-end, visible only to you. • No account, no login, no ads, no subscriptions. • Optional Face ID / Touch ID lock. YOURS TO CONFIGURE Six color themes let you make the overview feel like your own — from Ocean to Ember. Choose what appears on the home screen, set monthly snapshot reminders, and manage accounts and custom types your way. Finance Forest: Net Worth is completely free. No subscription. No paywall on your history.

Paydar catches every subscription charge before it lands. See what you really pay, get a heads-up before each renewal, and keep it all private. Streaming, apps, the gym, cloud storage… small monthly charges add up fast. Paydar puts them all on one radar: the closer a subscription sits to the centre, the sooner it charges you. Track them, see what's coming, and cancel what you no longer use. WHY PAYDAR • Free and unlimited - track as many subscriptions as you want • Private by design - no account, no sign-up. Your data stays on your device, with an automatic backup to your own private iCloud • See the real cost - monthly, yearly and daily totals, one tap apart FEATURES • Radar - every charge in the next 30 days at a glance • Renewal reminders - a heads-up days before you're charged, at a time you choose • Mark as paid - log each payment and keep a history of what you spent • Free-trial tracking - never get surprise-charged when a trial ends • 150+ currencies with live exchange rates - perfect for subscriptions billed abroad • Flexible billing cycles - weekly, monthly, quarterly, yearly, or a custom "every N days/weeks/months" • How to cancel - step-by-step cancellation guides for popular services • Payment methods - see which card or account pays for what • Widgets - your next renewal on the Home Screen and Lock Screen • Spending stats - monthly trends and a breakdown by category • Backup & export - automatic iCloud backup, plus CSV export and JSON backups DESIGNED TO BE CALM A dark, quiet interface that makes keeping an eye on your money feel effortless. PRICING Paydar is free and ad-supported. Not a fan of ads? A single one-time purchase removes them forever. No subscription, ever. (Yes, we see the irony.) Paydar has no account and never sees your subscription data.