Quiet Budget vs Topf

Budgeting that doesn't shout. Quiet Budget is a calm, manual money tracker, no bank linking, no ads, no notifications nagging you about a $4 coffee. Every transaction goes in by hand, on purpose, so you actually notice where your money's going. The mainstream finance apps want to connect to your bank, parse your accounts, and monetize your data. Quiet Budget does none of that. No bank connections. No ads. No analytics. The app works fully offline with no account at all — your money is your business. WHAT'S INSIDE (FREE) - Manual entry for income, expenses, transfers, and balance adjustments - Multiple accounts — checking, savings, cash, credit cards — all tracked by hand - Category budgets with month-over-month visibility - A "Quiet Money Left" view that tells you what you actually have to spend - Notes on every transaction so you remember why you bought it - Full history with search and filters - CSV export for full data portability - Hide-balances toggle for when you're in public QUIET PLUS (OPTIONAL UPGRADE) - Plan — zero-based budgeting, so every dollar has a job - Save up for big future bills - Savings goals you can actually see progress on - Recurring calendar for payments and subscriptions, so nothing slips through - Trends and deeper insights - Debt payoff tools — watch an extra payment move your debt-free date - Rose theme - Optional account and cloud sync, to keep your budget across devices or share it with a partner Quiet Plus pricing: - Monthly — $2.99 per month - Yearly — $24.99 per year - Lifetime — $69.99, one time Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Lifetime is a one-time purchase and never renews. PRIVACY, FOR REAL Quiet Budget is local-first. With no account, everything stays on your device — nothing is transmitted, and there is nothing for us to collect. There is no advertising, no tracking and no analytics SDK anywhere in the app, on any tier. Only if you choose to turn on the optional account and sync does any of your data leave your device — encrypted in transit and stored in a private space tied to your account. We never sell it, mine it, or advertise against it. You can export everything, or delete your account and its synced copy, at any time from inside the app. WHO IT'S FOR People who tried YNAB, Mint, Monarch, or Copilot and bounced off the complexity or the bank-linking requirement. People who want to be intentional with money without being surveilled. People who like the friction of writing things down because it makes them think. Built solo in Edmonton, Alberta by Echo House Labs. Privacy Policy: https://echohouselabs.com/privacy Terms of Use: https://echohouselabs.com/terms

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: amount, category, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input and receipt scanning require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input and receipt scans, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/