EL Finance vs Pecus

EL Finans is a simple and secure personal finance app designed to help you track income and expenses, manage budgets, set savings goals, and improve your financial habits. Record daily expenses, track income, schedule recurring payments, and review your financial situation through clear and accessible summaries. Key features: Income and expense tracking Category-based spending analysis Recurring payment and income plans Budget limits and period-based tracking Savings goals and asset tracking Calendar view Multiple currencies and exchange-rate support Personal and shared accounts PIN and biometric lock Encrypted local and cloud backups AI-powered quick entry and financial analysis Premium membership and AI credit packs Security and privacy: Financial data is stored encrypted on your device. When cloud synchronization or backup is enabled, data is transferred in encrypted form. Sensitive API keys are not embedded in the app and are protected on the server. AI features are optional. Text or image analysis runs only when you choose to use the relevant feature. EL Finans does not provide investment advice, banking, accounting, or payment services. The app is intended solely for personal finance tracking and informational purposes. Premium features and subscriptions are managed through the Apple App Store. Subscription cancellation and renewal settings are handled through your Apple Account. The monthly subscription lasts 1 month and the yearly subscription lasts 1 year. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Privacy Policy: https://elfinans.com/privacy-policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Pecus gives you complete control over your personal finances. Everything runs on your device — no cloud, no subscription, no data ever leaving. Your net worth, always up to date A single dashboard showing your full financial picture: cash, credit cards, investments, savings goals, mortgages and loans. One screen, total clarity. Smart weekly budget Pecus automatically calculates how much you can spend each week by subtracting your fixed costs from your income. No setup needed — it works from day one. Fixed commitments, always visible All your recurring expenses in one place: utilities, instalments, loans and mortgages. Know exactly what's left after your monthly obligations. Investment portfolio tracker Track stocks, ETFs, bonds and funds with live prices. Performance history and tax tracking all built in. Import your financial history Load past data from an Excel file and start with full context from day one. Template included. Privacy by design No account. No server. No cloud sync. Your financial data stays on your device. Always. Available in Italian, English, German, French and Spanish.