Финансье vs Obolos

Финансье - ассистент по личному бюджету. Одно приложение - весь бюджет, без таблиц и без сложных настроек. ЧТО УМЕЕТ • Зарплата и премии - расчёт чистой суммы, аванс/основа, отпускные. Календарь выплат на год вперёд. • Учёт регулярных платежей и обязательств - подписки, кредиты, рассрочки. Календарь покажет, когда и сколько списать. • Импорт банковских выписок — Т-Банк, Сбер, Яндекс Банк (PDF). Автоматическая категоризация: распознаём 99% операций за месяц, оставшиеся добавляете в один тап. • Вклады и накопления — депозиты с расчётом капитализации, цели, отдельные счета-«копилки». • Аналитика — траты по категориям, динамика месяц-к-месяцу, поиск «куда уходят деньги». • QR-сканер — оплата по СБП через ваш банк. • Несколько счетов и валют — карты, наличные, депозиты, мультивалютные остатки. ПРИВАТНОСТЬ И БЕЗОПАСНОСТЬ • Данные карт не запрашиваем и не храним. • Вход по email или SMS - без паролей, без сторонних сервисов. • Экспорт всех ваших данных в любой момент (ZIP с CSV). • Удаление аккаунта — одной кнопкой из приложения. • Соответствие 152-ФЗ (защита персональных данных). Финансье - это инструмент для людей, которые хотят понимать, куда уходят их деньги, и принимать решения на основе цифр, а не ощущений.

Obolos is an expense tracker that lives on your iPhone. Your records are kept on the phone itself, with a copy in your own iCloud, so the app opens instantly and works offline — on a plane, abroad, anywhere without signal. LOG SPENDING IN SECONDS Four ways in, all a tap away: • Keypad — with a calculator built in, so you can add up a bill as you type. • Receipt — point the camera and your phone reads the total, on the device. (Premium — every account gets three free scans.) • Text & voice — type or say "coffee 4.50, taxi 12 and groceries 38.20", check the three expenses, add them in one go. (Smart mode, Premium — every account gets five free tries.) • Apple Pay — a one-time Shortcuts automation logs each card payment as you pay, to the right account, and asks for the category. DROP IN A STATEMENT Upload a bank statement as PDF, CSV or XLSX. Obolos compares it with what you have already logged and adds only what is missing — no duplicates and no bank login. (Premium — your first statement is free.) SEE WHERE YOUR MONEY GOES Spending by category and by day, your balance over time with upcoming payments ahead, and Insights that tell you whether this month is a normal one. Week and month views for this month and last are free; the year view, older months, forecasts and Insights are Premium. EVERY CURRENCY, ONE TOTAL Accounts in any of 159 currencies, each kept in its own. Totals convert to your main currency at daily rates, and a transfer between currencies is one operation at the rate you actually got. WHAT THE TRIP REALLY COST Set the dates and the spending inside them joins the trip: the total in the local currency and in yours, per day and by category. AND THE REST • Planned payments — rent, subscriptions, salary — with reminders that come from the phone itself, even offline. • Savings goals — each goal is a real account you transfer money into. • Balance adjustment — enter what the account really holds and Obolos records the difference. • Monthly category budgets with alerts (Premium). • CSV and JSON export (Premium). • Home-screen widgets, App Lock with Face ID, and light or dark mode that follows your iPhone. FREE Unlimited accounts, operations, transfers, goals and trips. Keypad with calculator, three receipt scans to try, and Apple Pay logging. Planned payments and reminders. Statistics for this month and last. No ads. PREMIUM Unlimited receipt scanning. Smart mode: a sentence, typed or spoken, becomes several expenses, and receipts your phone can't read are read for you. Bank statement matching. Category budgets. Insights, the year view, forecasts and your full history. Export. Monthly or yearly subscription, with a free trial for new subscribers. YOUR DATA Your ledger lives on your iPhone and in your own iCloud. Obolos never connects to your bank and never asks for bank credentials. Sign in with Apple. When you use Smart mode or statement matching, the text, photo or file you send is read once by our server and an AI provider and is not used for anything else. No ads, no data sales. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://evless.github.io/obolos/privacy