IronBalance vs Duality Wallet

Know your real net worth today — every account, every currency, one number. You get paid in USD, EUR, or USDT. You live in VND, PHP, or THB. Your money is scattered across bank accounts, cards, cash, crypto exchanges, and wallets — each showing only a slice. IronBalance pulls all of it into a single net worth figure in your primary currency, right now. No bank login. No spreadsheet. No password handed to anyone. You add your accounts; the app does the currency math. Built for freelancers and remote workers who earn in one currency and live in another — the people budgeting apps and bank apps were never designed for. ONE NET WORTH, EVERY CURRENCY Add accounts in any fiat currency or crypto. Live exchange rates are built in. Each account keeps what it actually holds; everything rolls up into one primary-currency total — so you always know where you stand. ALL YOUR ACCOUNTS IN ONE PLACE Bank accounts, cards, cash, crypto exchanges, hardware wallets — add them all and tag each with a custom emoji and color. Up to 2 accounts free. DAILY BALANCE DIFFERENCE The number banks don't show you: how your net worth moved overnight, across every account and currency, as one clean delta. It separates real balance changes from exchange-rate swings — so an FX move never catches you off guard. NET WORTH OVER TIME Watch your total grow. The net worth chart tracks your primary-currency total across any range — grouped by day, month, or year. INCOME VS EXPENSE See what comes in and what goes out, period by period, with clear profit and loss. Understand the pattern, not just the balance. UNLIMITED CATEGORIES Organize income and expenses into the categories you actually use — emoji, colors, and as many subcategories as you want. Never someone else's buckets. SMART SUGGESTIONS Your most-used accounts, categories, and currencies rise to the top automatically — recalculated every day — so logging a transaction is a tap, not a scroll. Nothing to set up. CUSTOM CHARTS Build the views you want. Filter by any mix of accounts and categories, pick the visualization, see your money from any angle. Up to 2 charts free. SCHEDULED PAYMENTS & SUBSCRIPTIONS Set recurring income, expenses, and transfers once — daily, weekly, monthly, or yearly — and they post themselves on time. IronBalance even spots likely subscriptions in your history and offers to track them, so every renewal sits in one list with its next charge date. Pause and resume anytime. SAVINGS GOALS Set a target on any account and the progress bar follows your real balance as it grows. Add a deadline and the app tells you how much to set aside each month to hit it. TRANSFERS BETWEEN ACCOUNTS Move money between your own accounts — even across currencies — at live or custom rates, without distorting your net worth. FREE — NO TIME LIMIT - Up to 2 accounts or wallets - Up to 2 custom charts - 1 savings goal - Up to 3 scheduled payments - Unlimited currencies, fiat and crypto - Unlimited categories - Live exchange rates - Smart suggestions - Net worth across all accounts - Daily balance difference - Income and expense tracking PRO - Unlimited accounts - Unlimited custom charts - Unlimited savings goals - Unlimited scheduled payments - Custom exchange rate per transaction Missing something? Suggest it — we build what users actually ask for. IronBalance is a personal analytics tool, not a crypto wallet or exchange. You record your balances; the app shows the full picture in one currency. Add your accounts and see your real net worth in under three minutes. No setup wizard. No bank connection.

Cash on your phone. As simple as Apple Pay, as fast as a text message, and as open as email. Duality is a self-custodial wallet that finally makes bitcoin feel like money you can actually use. Spend it, send it, get paid in it, in seconds, with no bank or middleman taking a cut. MONEY THAT MOVES LIKE A MESSAGE Payments settle over the Lightning network in seconds, not the three-day "pending" you're used to. Send, and it's done. TWO POCKETS, ONE WALLET Keep a Digital Cash balance to spend day to day, and a Bitcoin balance to hold. Swipe between them, and convert one to the other in a tap. GET PAID LIKE EMAIL Claim your own Lightning address: you@dualitywallet.money. Anyone, on any Lightning wallet, can pay you. No app lock-in, no account numbers. PAY IN A TAP Tap to pay over NFC, or scan any QR code with Quick Pay. Save the people and places you pay often as Favourites and settle up in two taps. SIGN IN WITH A PASSKEY, BACKED BY YOUR RECOVERY PHRASE Create and unlock your wallet with your fingerprint or face, with no password to remember. Your recovery phrase is the backup that always works: save it when you set up, and it restores your wallet on any device, whatever happens to your phone. YOUR KEYS, YOUR MONEY Your keys are generated on your device and never leave it. There's no account, no email signup, and no company that can freeze, spend, or block your balance. No analytics or tracking, in the app or on our site. SECURED BY BITCOIN Duality is built on Spark, a bitcoin layer 2, using the Breez SDK. Your money is secured by the most open, decentralised monetary network there is. Value you hold directly, not an IOU. Money without middlemen. Download Duality and try it today. Self-custodial means you're in control and responsible for your own access. Bitcoin's value can go up and down. Duality is not a bank and does not offer insured deposits.