Budgetary vs Cuentio

Budgetary is a private, manual-first money tracker. Log spending yourself, budget by category, split bills with friends, track loans with real EMI math and save toward goals — all stored on your phone, never linked to your bank. Track, budget, split, settle. No bank login. No automatic imports. No ads, no tracking. Every entry is yours, made in seconds with a keypad calculator, tags, line items, receipts and unlimited categories. TRACK EVERY RUPEE, DOLLAR AND EURO • Home shows income, expenses and net cashflow for any day, week or month • Wallet, card, bank and app accounts as manual containers with live balances • Unlimited categories and subcategories with their own icon and colour • Tags, line items and attachments (photos and documents) on any transaction • Multi-currency: 40 currencies, live or manual exchange rates, one display currency • Recurring income and expenses, daily to yearly, held in a Pending Approvals queue so nothing posts without you • Due Soon card for bills due today, tomorrow or in the next few days BUDGETS THAT KEEP PACE • Per-category caps for weekly, monthly, yearly or custom periods • Live progress, on-track or behind indicator and a month-end projection SPLIT BILLS, SETTLE SIMPLY • Split any expense equally or by custom shares across your contacts • Per-person balances, payment history and simplified settle-up that reduces who-owes-who to the fewest payments • Import people from your address book. Splits stay local — your friends don't need the app LOANS WITH REAL EMI MATH • EMI loans in the Debts tab: full amortisation schedule, interest accrual, record each payment, close when it's paid • Manual loans and IOUs: money you've lent or borrowed, with optional reminders SAVE AND PLAN • Savings goals with a target, optional deadline, progress ring and what you need per day, week or month • Projects: budget a trip or any plan with its own limit and dates, then settle the whole thing • Sheet view: spreadsheet-style entry with text, number, date and formula columns 21 FINANCE CALCULATORS BUILT IN Free: EMI, Simple and Compound Interest, FD, RD, SIP, Savings Goal, GST, VAT, Split with tip, Inflation, Emergency Fund, Home Affordability. Plus: Debt Payoff, Early Payoff, Step-up SIP, SWP, FIRE, Rent vs Buy, Debt vs Invest, Retirement Stress Test. PRIVATE BY DESIGN • Your ledger lives in an on-device database and is never sent to our servers • No bank linking, no account aggregation, no ad tracking, no usage analytics • Local .bdg backup to Files (optionally password-protected) and CSV export • Optional Cloud Backup (Plus) is end-to-end encrypted on your phone before upload — we never hold the key 12 LANGUAGES English, Hindi, Tamil, Spanish, Portuguese, German, French, Italian, Dutch, Japanese, Korean and Chinese. BUDGETARY PLUS Budgetary is free to use with unlimited transactions, categories and history. Plus unlocks: • Insights — monthly Recap, spending forecast, trends, net worth, cash-flow diagram, budget health score, merchant and subscription analytics • End-to-end encrypted Cloud Backup • Unlimited accounts, budgets, projects, recurring rules, savings goals and EMI loans • 8 advanced calculators, custom date ranges, whole-project settle-up, all-scope CSV export, push reminders and live exchange rates Budgetary Plus is an optional auto-renewable subscription, offered monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel any time in Settings → Apple Account → Subscriptions. Prices are shown in the app in your local currency. Terms of Service: https://budgetary.in/terms-of-service Privacy Policy: https://budgetary.in/privacy-policy Sign in with Apple, Google or your phone number to get started. Engineered by Vynnter.

Where does your money go? Cuentio is an expense tracker with no bank linking: log each expense in two taps, or snap a photo of the receipt and AI records it for you in seconds. No bank credentials, no ads, and manual tracking is free with no limits. LOG EXPENSES IN TWO TAPS • Fast manual entry: amount, category, done. Unlimited expenses and income, free. • Unlimited accounts and categories, recurring expenses (rent, subscriptions) and home screen widgets so you can log without opening the app. SNAP A PHOTO OF THE RECEIPT • Scan a receipt and AI extracts the total, date, merchant and VAT. • You get a free monthly allowance of AI actions, with the counter always visible in the app. • The photo stays attached to the expense: your receipt archive, always at hand. SAY IT OR TYPE IT • "Coffee 3.50" spoken out loud or typed as is: AI turns it into a categorized expense. BUDGETS AND CLEAR REPORTS • Budgets per category with warnings before you overspend. • Monthly and category reports: see where your money goes at a glance. • Optional AI monthly summary that explains your month in plain language. SHARE HOUSEHOLD EXPENSES • Create a shared household and invite your partner with a code: every expense shows who logged it, with a balance per member. • Invited members don't pay anything. NO BANK LINKING, BY DESIGN • Cuentio never connects to your bank or asks for banking credentials. It's an expense tracker that works just as well with cards, cash or multiple currencies. • Logging expenses yourself makes you more aware of your spending: that's the point. YOUR DATA IS YOURS • Exporting to CSV, Excel or PDF is free, forever. No ransom for your own data. • Backup and sync across devices are included in the free plan. • Delete your account and take your data with you whenever you want. WHAT'S FREE AND WHAT'S PRO Free: unlimited manual tracking, accounts, categories, recurring expenses, budgets, reports, widgets, sync, backup, export and a monthly AI allowance. Cuentio Pro (monthly or yearly subscription): a larger AI allowance, AI monthly summaries, shared household for its creator, PDF export with receipt photos, automatic exchange rates and extra personalization. No weekly plan, and no ads on any plan. Cuentio is a money manager built for everyday spending: a daily expense tracker, a spending tracker for your monthly budget and a personal finance log in one simple app. If you want a budget app without bank linking, a receipt scanner that fills in the expense for you, and a money tracker your partner can share, download Cuentio and start today: logging your first expense takes less than a minute. https://www.lghdeveloper.com/en/terms https://www.lghdeveloper.com/en/privacy