Payment Tracker vs Yearn

A payment tracker that respects your money and your privacy. If you have ever lost track of a forgotten subscription, missed a credit card due date, or wondered how much your monthly bills really add up to, PayLog is built for you. It is the calm alternative to wallet apps, budget spreadsheets and aggressive personal finance dashboards. Every recurring charge, loan installment and one-time payment lives in one place, with no account, no cloud upload, no spreadsheet copy-paste and no third-party server in the loop. The philosophy is simple: a bill tracker should help you see what is coming, not turn your spending into a data product. It is built for adults who want a subscription manager and bill reminder that fits invisibly into their week — students, freelancers, parents juggling household expenses, expats with cards in two currencies. Every feature described below is unlocked only with an auto-renewable subscription purchased inside the app. New users receive a 3 day free trial; you may cancel anytime during the trial to avoid being charged. Open the app and the Pay-To-Do list shows exactly what is due today, this week and overdue, sorted by card or account. Bills, subscriptions and installment tracker entries sit side by side, so the streaming service, the rent, the loan tracker for your car and the recurring payments for your gym are all in one calm view. Each item carries a due date, amount, account, category and remaining months on a loan, with smart reminders firing the right number of days before each charge. The calendar view spans the year, charts break down monthly bills by category, and Home Screen and Lock Screen widgets keep your next payment glanceable from the wrist or the bedside. Multi-currency support with automatic conversion handles travel, foreign cards and expat life, while a quick-add flow logs a payment in seconds. The expense tracker side of PayLog totals outflow by account, by category, by month and by year, surfacing patterns like the subscription tracker bills you forgot or the seasonal spikes you keep missing. You can pause a subscription manager entry while you cancel it, mark an installment paid early, and roll one-time payments into trend charts without losing recurring averages. A budget app feel comes from per-category caps and gentle warnings as you approach the limit, never alarms or shaming. The app ships in 39 languages with full accessibility, VoiceOver and Dynamic Type. Your payment log stays on this device — no account, no cloud upload, no analytics, no third-party server reading your finances. Everything works offline, including reminders, the calendar view, the widgets and the charts. It is designed for people who want a payments app that feels like a notebook on their nightstand, not another finance dashboard demanding their attention. Unlock with Pro: • Unlimited payments beyond the free 5 active items • All widgets, themes and premium app icons • Advanced analytics, budgets and year-over-year trends • PDF and CSV export for taxes or your accountant • Custom categories per card or account Subscription Pricing & Terms Features require a subscription. Pricing and terms available in-app. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Manage or cancel your subscription and free-trial conversion in Settings > Apple ID after purchase. Any unused portion of the free-trial period will be forfeited when you purchase a subscription.

Yearn is a paycheck budget planner built on envelope budgeting, made for tips, gig work, hourly shifts, and contract pay. Every bill and goal is funded by its due date, from whatever paycheck schedule you're on. Most budgeting apps assume the same paycheck lands every two weeks. Yearn doesn't. Set a funding schedule that matches your payday, weekly, biweekly, twice a month, or monthly, and Yearn works out what each paycheck needs to cover. What's left is your Free to Spend: the money that is truly yours after bills and goals are handled. BUDGET BY PAYCHECK Create an envelope for each bill or goal, give it a due date and an amount, then attach it to a funding schedule. On each funding date, Yearn calculates how much to set aside so every bill is fully funded by the day it's due. Bills can repeat weekly, biweekly, twice a month, monthly, quarterly, or yearly. No spreadsheets, no mental math. ENVELOPE BUDGETING FOR VARIABLE INCOME The envelope method works for irregular income because Yearn never asks how much you make. It only asks what you owe and when. Every envelope shows its status at a glance: Ready, On track, Ahead, or Behind, so you know before payday whether next week's check will stretch. FREE TO SPEND, ALWAYS VISIBLE One number, always current: what you can spend today without touching money that already belongs to a bill. It updates each time a funding schedule runs on the payday you chose, and whenever a purchase is matched to an envelope. BILL TRACKER, GOAL TRACKER, SPENDING CHARTS Real-time progress on every bill and savings goal. Cash flow, spending by category, upcoming bills, and a six-month trend, all built from your own transactions. YOUR BANK, YOUR CHOICE Track manually, or connect your bank with a secure, read-only Plaid connection so balances and transactions stay in sync. Auto Spend matches purchases to the right envelope automatically. Import transactions from CSV, OFX, or QFX files, reconcile balances when they drift, and review your balance history. Yearn never moves money in your bank account. WHAT YOU GET - Paycheck budget planner with automated envelope funding - Funding schedules for weekly, biweekly, semi-monthly, and monthly pay - Free to Spend calculated after every bill and goal - Bill tracker and expense tracker with due-date progress - Auto Spend: purchases matched to envelopes automatically - Manual tracking or read-only bank sync via Plaid, with CSV/OFX/QFX import - Multiple accounts from the same bank in one dashboard - Spending charts: cash flow, categories, upcoming bills, six-month trend - Push or email alerts for new transactions - Biometric login, dark mode, and multi-currency support - Zero-based budgeting without the monthly straitjacket - Also available on the web at yearnapp.io WHO IT'S FOR Hourly workers, tipped and hospitality staff, gig and delivery drivers, independent contractors, freelancers, self-employed people, and anyone living paycheck to paycheck who wants a budget app that finally matches their pay schedule. Yearn was built by a founder who got tired of budgeting apps designed for W-2 salaries. If your income changes every week, this is the money manager made for you. Free plan available. No credit card required. 30-day free trial on paid plans. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/