MyFinances vs Zero Debt

MyFinances è l'app per le finanze personali pensata per chi vuole avere tutto sotto controllo, senza rinunciare alla privacy. TIENI TRACCIA DELLE TUE FINANZE Registra entrate, uscite e trasferimenti tra i tuoi wallet con pochi tap. Organizza le transazioni per categoria, aggiungi note e tieni sempre sotto controllo il tuo patrimonio in tempo reale. WALLET MULTIPLI Gestisci conti bancari, contanti, criptovalute, investimenti e risparmi in un unico posto. Ogni wallet ha il suo saldo aggiornato automaticamente ad ogni transazione. DIVIDI LE SPESE CON GLI AMICI Con i Conti Condivisi puoi creare un gruppo, aggiungere i partecipanti e tenere traccia di chi ha pagato cosa. Condividi il link di invito, e l'app calcolerà automaticamente chi deve quanto a chi — senza registrazione obbligatoria per i partecipanti. SCANNER SCONTRINI CON AI Fotografa uno scontrino e l'intelligenza artificiale estrarrà automaticamente importo, data e categoria della spesa. Risparmia tempo e riduci gli errori di inserimento manuale. GRAFICI E ANALISI Visualizza l'andamento delle tue entrate e uscite nel tempo con grafici chiari e intuitivi. Scopri dove vanno i tuoi soldi mese per mese. PRIVACY AL PRIMO POSTO Tutti i dati finanziari sono salvati localmente sul tuo dispositivo — nessun dato viene condiviso con terze parti. Attiva la modalità privacy per nascondere i numeri con un tap, ideale quando mostri l'app ad altri. Proteggi l'accesso con Face ID, Touch ID o un PIN personale. BUDGET Imposta budget mensili per categoria e monitora in tempo reale quanto stai spendendo rispetto al limite che ti sei dato. ESPORTAZIONE DATI Esporta tutte le tue transazioni in formato CSV per analisi su foglio di calcolo, o crea un backup completo in JSON. I tuoi soldi, le tue regole.

Zero keeps your money and your debts, by hand. Write what you spent in one line — “coffee 4.50” — and Zero files it and counts your wallet. Type what you owe or are owed, and it plans the way to zero. WHAT IT HOLDS - Both directions of the ledger: money you owe, and money you lent out - Categories, from credit cards and loans to money owed to family - 64 currencies, each written the way that currency is written - An optional interest rate, minimum payment and due date on every debt - Every payment recorded with its date, kept as history you can scroll back through A PLAN THAT EXPLAINS ITSELF Zero doesn't just rank your debts — it tells you why. Pay by interest cost (avalanche) or smallest balance first (snowball), or drag the list into the order you want and mark what you must pay first. The plan names the one debt to attack now and the reason it's that one, then shows what this month costs and the month you finish. WHAT IT SHOWS - The month you become debt-free, and how many months away it is - Balance over time, drawn as steps, because money moved on the days it moved - How much of everything you've ever owed is now paid off - Overdue debts, and reminders three days before and on the day QUICK TO KEEP UP WITH - Swipe a debt to record a payment, edit it, or set its priority - Ask Siri: "Add a debt in Zero", "What do I owe?", "Record a payment in Zero" - Home Screen and Lock Screen widgets with your total and your next due date INTEREST SAVER (PRO) See what interest takes out of each payment, which order costs you least, and what paying a little more each month would save — worked out from your own rates. IT NEVER INVENTS A NUMBER This is the part most money apps will not do: - If your payments cannot reach zero, Zero shows no debt-free date at all, rather than one that flatters the plan. - The balance chart steps instead of curving, because a smooth line would draw money moving on days when nothing moved. - The chart scale stays pinned to your original total, so a small payment cannot be zoomed into looking like a large one. YOUR LEDGER STAYS ON YOUR PHONE Your debts, payments, notes and dates are stored on this device. With Pro, iCloud sync keeps a copy in your own iCloud, for your other devices and a new phone — Apple stores it; Zero never sees it. Export the whole ledger to CSV whenever you want your own copy, free, on any tier. Sign in with Apple is optional. It creates a free Zero account that carries your profile to a new phone. Every other part of Zero works without an account, and you can delete the account from inside the app at any time. No third-party trackers. No advertising identifier. No bank connection of any kind. To learn what works, Zero records which screens and buttons are used under a random number your phone makes for itself — never anything you wrote — and Settings › Share usage data turns it off. FREE, AND PRO Free holds up to 3 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders, a ready-made reminder for people who owe you and the CSV export. Zero Pro removes the debt limit and adds the interest saver, iCloud sync, a Face ID lock, PDF reports, five color themes and six app icons. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. Zero does not lend money, refinance anything, broker loans, give financial advice, or connect to a financial institution. It is a notebook that can add up. Terms of Use: https://soso.uz/terms Privacy Policy: https://soso.uz/privacy