TillNext vs Otally

TillNext: Paycheck Planner is a simple paycheck planning app for people who want to know what is coming in, what needs to go out, and what is left before the next payday. Set up recurring income, recurring bills, and one-time expenses. TillNext turns those details into a practical month view so you can keep track of upcoming items, mark bills as pending or paid, review previous occurrences of recurring items, and see how the month changes as real life happens. Home starts with safe cash to spend, a Can I buy this? check, and cashflow totals to compare against your bank. Month bank balances are explicit, so a new month starts clean unless you enter or match the bank balance for that month. Card tools live in their own optional tab, and Month shows the rest of the selected month day by day. The Recurring tab also lets you move between months, so future-starting recurring bills can be reviewed before they affect the current month. Recurring expense rows show the selected month's occurrence days beside their cadence, and entry editors keep amount, name, dates, frequency, and end dates clear and easy to adjust. Home Screen widgets keep the Till Next amount visible outside the app. Small and medium widgets include quick-add buttons for one-time income and expenses, and the large widget shows the next few Home items. TillNext is local-first and intentionally simple. There is no account to create, no external connectors, no Google integrations, no ads, and no analytics tracking. Your planning details stay on your device unless you choose to export them. Features: - Monthly paycheck and expense planning - Recurring income and recurring bill schedules - Month-aware recurring schedule editing - Recurring expense occurrence days in the selected month - Past occurrence history for recurring items - Explicit month bank balance matching without pulling prior-month leftovers forward automatically - Centered amount entry and clearer tappable date controls - One-time income and expense entries - Safe cash, card payback, and rest-of-month cashflow checks - Small, medium, and large Home Screen widgets - Widget quick-add buttons for one-time income and expenses - Pending, paid, skipped, and received status tracking - CSV export from Settings, including Home cash, card payback, and day-by-day cash detail rows - Local reset from Settings - 30-day full-editing trial - One-time lifetime unlock through the App Store TillNext is for personal planning only. It is not financial, tax, legal, investment, credit, or banking advice. Always review your real accounts before making spending or payment decisions.

Otally shows you what your bank balance will be — next week, next month, or a year from now. Most budgeting apps look backwards and tell you where your money went. Otally only looks forward. Enter your paychecks and your bills once, and it draws the whole year ahead so you can see the day your balance dips before it happens. HOW IT WORKS 1. Tell Otally your current balance. 2. Add your income and bills with their dates and how often they repeat. 3. See your projected balance on every day for the next 18 months. WHAT YOU GET - Running balance — see exactly what you will have after every paycheck and every bill. - Low point alerts — set a cushion, and Otally lists every day in the next 12 months your balance is projected to fall below it. Find the tight week in March while it is still January. - Calendar or list — see the month at a glance, or scroll a clean list of what is coming. - Real amounts, not just estimates — when the actual power bill arrives, adjust that one date without disturbing the recurring amount. - Recurring anything — weekly, biweekly, or monthly, with an end date when a loan finishes. - Built for both — designed for iPhone, with a full two-column layout on iPad. WHAT OTALLY IS NOT Otally does not connect to your bank. There is nothing to link and no credentials to hand over. You type in your paychecks and bills yourself, which takes a few minutes once, and means the forecast is built from what you actually know is coming — not from guessing at last month's spending. Otally is a forecasting tool, not financial advice. It does arithmetic on the numbers you give it. PRIVATE BY DEFAULT No account. No sign-up. No email address. Your balances and records are stored on your device and are never sent to us, because there is no server to send them to. PRICING Otally is free to try for 14 days — no payment details required, and no charge when the trial ends. After that, continue for $1.99 per month, or pay $49.99 once and keep it forever. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/