Tally vs Settle

Tally is a personal finance app built on zero-based budgeting: every dollar you earn has a job assigned. Built for people who want real control over their money — free of ads, distractions, and compromises on privacy. FEATURES - Zero-based budgeting (envelope-style). Assign every income dollar to a category until "Available to Assign" reaches zero. - Multi-currency with automatic conversion. Accounts and transactions in USD, JPY, EUR, GBP, MXN, VES, BTC, USDT, USDC and more. Daily exchange rates from the European Central Bank, Banco Central de Venezuela, and CoinGecko. - Multiple account types: cash, debit, credit, savings. Transfers between accounts including cross-currency with automatic conversion. - Hierarchical categories with monthly budgeting, spend tracking against plan, and negative balance rollover. - Reports with charts: category breakdown, monthly income vs expense, net worth over time. - 100% offline-first. Your data lives on your device first. Log expenses without connectivity — at the store, on a plane, anywhere. - Bilingual: English and neutral Spanish, with automatic system language detection. - Light, dark, or automatic theme. - Smart auto-categorization. Tally learns from your transaction history and suggests categories for recurring payees. - Transfer fees support with optional categorization for shared expenses or remittances. - JSON-based backup and restore. FREE TIER AND CLOUD SYNC Tally is fully functional in its free tier, with no time limits. Every feature above works without paying anything. The only optional feature is cloud sync, which enables automatic cloud backup and sync across all your devices: - $2.99 USD per month - $24.99 USD one-time, lifetime access It's the only thing behind a paywall. No hidden features waiting for you to upgrade. PRIVACY Your financial information is sensitive, and Tally treats it that way. No advertising SDKs. No behavior tracking. No selling or sharing data with third parties. If you enable cloud sync, your data is encrypted in transit and at rest, accessible only from your authenticated account. WHO IT'S FOR Tally is built for people who want seriousness and control over their finances: professionals with income in multiple currencies, frequent travelers, expats, freelancers managing variable income, or anyone tired of finance apps cluttered with ads and features that distract from the only thing that matters — knowing where your money goes. — Privacy Policy: https://tally.lat/privacy Terms of Service: https://tally.lat/terms Support: support@tally.lat SUBSCRIPTION DETAILS - Cloud Sync Monthly: $2.99 USD, billed monthly through your Apple ID - Cloud Sync Lifetime: $24.99 USD, one-time purchase, no recurring charges Subscriptions renew automatically unless auto-renewal is turned off at least 24 hours before the end of the current period. Manage subscriptions and turn off auto-renewal in your Apple ID account settings after purchase. Any unused portion of a free trial period, if offered, is forfeited when purchasing a subscription.

Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. • Drag to log, or add in a couple of taps • Multiple accounts with multi-currency support • Transfers between your own accounts, and a spend can become one at any time • Budgets and monthly spending insights • Clean charts, light and dark themes • No sign-up, no ads, no tracking SETTLE PRO • Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good • Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall • Recurring rules: rent, subscriptions, and bills record themselves on schedule • monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/