ATHE vs PayNote

ATHE: Sổ Thu Chi AI is the smarter way to track every dollar you spend — personally or with a group. Capture expenses with your camera, your voice, or a quick tap, and let AI do the heavy lifting. Snap a Receipt, Done. Point your camera at any receipt and Athe Money reads it for you. AI automatically extracts the amount, date, and category — no typing required. Review and save in seconds. Just Say It. In a hurry? Hit record, describe what you spent, and our AI transcribes your voice into a complete expense record. Hands-free and effortless. Split Bills Without the Awkward Math. Create a group for your household, a trip, or a night out. Add shared expenses, split them equally or with custom amounts, track who paid what, and mark shares as settled — all in one place. Automate Your Monthly Fees. Set up recurring fees for subscriptions like Netflix, gym memberships, or parking. Athe Money adds them automatically so your records are always complete. See Where Your Money Actually Goes. The Reports tab shows daily spending charts, category and payment method breakdowns, weekly comparisons, and averages — for any date range you choose. Export to CSV for your own records. Organized Your Way. Create and color-code your own expense categories with custom icons. Reorder them, set a default, and keep your records clean and consistent. Everything in Sync. Your data is available instantly thanks to local caching with background sync. Expenses you add while offline are queued and uploaded automatically when you reconnect.

Tap. Pick. Done. PayNote is a personal expense book that stays on your phone. Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading, for the right amount. A few seconds, and nothing is required except the amount. Nothing to remember and enter tonight. No spreadsheet to open. EVERYTHING STAYS ON YOUR PHONE PayNote works fully offline. No sign-up, no login, no account, no server holding your spending history. It never asks to read your messages, never reads bank notifications, and is connected to no bank or e-wallet — so nobody, us included, can see your account. To move to a new phone or keep a spare copy, export a backup file to iCloud Drive or anywhere you like. The file is encrypted and can carry a password, so a copy that ends up in someone else's hands is unreadable. QUICK ENTRY • Add income and Add expense right on the home screen and on the home-screen widget • A dedicated number keypad with a 000 key, built for one thumb • 15 default categories with icons; rename them, change the icon, add your own • Made a mistake? Edit the entry — the app keeps a history of the change • A daily reminder at the time you choose, scheduled entirely on the phone AN EXPENSE BOOK THAT STAYS SIMPLE • The home screen shows this month's income, spending and balance, with recent entries • Monthly statistics: spending by category, income against spending, one tap to switch months • Spending limits for the month and for each category, with a warning before you go over • Several wallets — cash, bank, e-wallet — each with its own balance • 20 currencies: VND, USD, JPY, EUR… one per wallet, switched right on the home screen • Search your history, accent-insensitive • Vietnamese, English and Japanese interface, amounts formatted the way each language reads them BASIC AND PRO PayNote has no ads, in the free version and the paid one alike. Basic is free and is a complete expense book: unlimited entries, categories, history, monthly statistics, budgets including per-category limits, the widget, the daily reminder, 2 wallets, and CSV export that opens in Numbers or Excel. PayNote PRO is a one-time purchase, yours forever — not a subscription, nothing auto-renews. PRO adds unlimited wallets so cash and each bank keep their own balance, month-on-month and six-month trend reports, password-protected encrypted backup and full restore, and categorisation that learns from what you log. A 7-day trial is included, no card required.