NestPay vs Eluna Budget

NestPay 是專為家庭設計的帳單管理 App，讓家人一起追蹤每月開銷，不再漏繳、不再忘記。 【主要功能】 ・帳單管理 輕鬆新增水費、電費、網路費等各類帳單，設定到期日，一眼掌握本月待繳金額。 ・到期提醒 帳單快到期時自動發送通知，逾期帳單即時警示，再也不會忘記繳費。 ・家庭共享 邀請家人加入，共同管理家庭帳單。所有成員即時同步，分工合作更有效率。 ・備忘錄 記錄繳費相關備忘，支援圖片上傳，家人之間留言討論，資訊不遺漏。 ・雲端同步 資料即時同步到雲端，換手機也不怕遺失，隨時隨地查看帳單狀態。 ・統計總覽 每月支出一目瞭然，掌握家庭財務狀況。 【適合誰使用】 ・剛組成家庭，想一起管理生活開銷的夫妻 ・需要分工管理帳單的家庭成員 ・容易忘記繳費日期的你 立即下載，讓家庭帳單管理變得輕鬆！

Eluna Budget keeps every transaction on your phone. No bank login, no account, no subscription, no ads. Nothing to sign up for, and nothing to cancel later. WHY NO BANK CONNECTION An aggregator wants your banking credentials and sells what it learns from them. This app never asks. You type an expense in a couple of seconds, or photograph a receipt, and that stays between you and your device. TWO WAYS TO BUDGET Simple limits: a ceiling per category and how much is left. Or envelopes: give every amount that comes in a job until nothing is unassigned. Both support rollover, and a period that starts on your card's statement day instead of the 1st. SEE WHERE IT IS HEADED Net worth across every account as one trend line. Forecast to the end of the month from your recurring bills and income, with a warning before the balance goes under. Auto-categories from local rules — payee contains Starbucks, category is Coffee. No bank sync, no cloud AI; the rules run here. FAST ENTRY A calculator keypad, repeat-last, long-press a category for its subcategories, and receipt scanning that reads the total from a photo on the device itself. The photo goes nowhere. EVERYTHING A LEDGER NEEDS Accounts, categories, tags, transfers, split transactions, recurring payments, savings goals, debts in both directions, and reconciliation against a paper statement. 63 CURRENCIES Each account in its own currency. Rates refresh once a day if you allow it, or you type them in by hand and nothing is ever fetched. IMPORT INSTEAD OF A BANK LOGIN CSV, OFX and QIF files from your bank, read on this device. The app remembers each bank's column layout so the second import is one tap. YOUR DATA, YOURS TO TAKE Full CSV and JSON export, free and always there. Encrypted backups behind a password, automatic backups on a schedule, and PDF reports for any period. SYNC WITHOUT OUR SERVER We do not run one. Sync goes through your own iCloud, or through a file you control — a shared folder, a network disk. Whoever holds that file sees ciphertext and nothing more. PRIVATE BY CONSTRUCTION The database is encrypted with SQLCipher. Lock the app with a passcode or Face ID. There are no analytics, no crash reporters, no ad networks and no cloud AI anywhere in the dependency tree — not switched off, absent — and you can check that yourself on the licenses screen. The only requests the app can make are exchange rates, and only if you turn them on. FREE Every feature, from the first launch. There is no paid tier, no trial and no watermark. The only thing you can buy is a tip, and it unlocks nothing. ONE HONEST NOTE There is no background sync on iOS: changes travel when you open the app, not while it is closed. Also: 61 languages, nine app icons, and achievements awarded for the habit of writing things down — never for how little you spend.