Sinkstack vs Cashbook

Sinkstack turns irregular bills into a plan for every paycheck. Create a sinking fund for each bill you only see a few times a year, such as car insurance, holidays, renewals and repairs, and Sinkstack shows what to set aside from each upcoming paycheck so each one is covered by its due date. NEW IN 4.0: PAYCHECK PLAN Choose how often you are paid and one payday. Each of your next 4, 6 or 12 paychecks then lists what to set aside for every fund: • Funds with a due date spread what they still need evenly across the paydays before that date, exact to the cent. • Recurring bills start their next cycle automatically after each due date. • Funds without a due date use the contribution you planned. • Bills that land before your next payday are flagged with the amount still needed. • Enter your take-home pay (optional) to see what is left after the set-asides. • Book the next paycheck's set-asides as deposits in one step, or export the plan as CSV. ALSO NEW • Backup & Restore: one file with every fund, ledger entry, pay schedule and Payday Bridge plan. Restore checks the whole file first and saves a copy of your current data before replacing anything. • Widgets: a Next Payday countdown (you set the schedule in the widget; it never shows balances) and Quick Actions for the allocator, Paycheck Plan and Payday Bridge. • Control Center control and Siri / Shortcuts actions to open the allocator, Paycheck Plan or Payday Bridge. • A redesigned tab layout: Funds, Paychecks, Calendar, Insights and Settings. EVERYTHING ELSE YOU ALREADY HAVE • Unlimited sinking funds with goals, due dates, weekly to annual contributions, revolving funds and recurring bills that reset after each due date. • Paycheck allocator: split new money across your funds proportionally, by priority or evenly, booked as dated deposits. • Payday Bridge: put income and payments on real dates to find the lowest balance before payday and test a late payday. • Funding Calendar: 12 months of set-asides and bill dates, with busy months marked. • Insights, catch-up options for funds that fell behind, a what-if solver, PDF statements and CSV export. • 60+ templates for common irregular expenses. PRIVATE BY DESIGN No account, no bank login, no ads, no tracking. Your data stays on your device. Amounts use exact decimal math. One purchase. No subscription. Sinkstack is a planning tool. It does the arithmetic on the numbers you enter; it does not move money, connect to a bank or give financial advice. iPhone and iPad.

Cashbook is a pocket ledger for iPhone and iPad—log in seconds, understand your month at a glance. WHY CASHBOOK • No sign-in. Your data stays on this device • No ads, no in-app purchases • Expenses, income, and transfers across cash, cards, e-wallets, and investments • Multi-currency accounts with refreshable reference rates LOG FAST • Quick tiles on Home for breakfast, lunch, commute, and more • Customize quick tags—name, amount, and category • Siri Shortcuts: log without opening the app • Phrase logging: “expense 35 dining” just works • Add notes, tags, and reimbursement flags anytime PERSONAL & BUSINESS LEDGERS • Multiple ledgers for daily life, travel, household, or work • Assign accounts to a ledger so work cards stay out of personal books • Assets and transactions follow the ledger you are viewing • CSV import and new entries respect ledger scope REIMBURSEMENT BUILT IN • Mark an expense as reimbursable when you log it • Tap Paid when money arrives—income is recorded on the same account • A dedicated list for pending claims, plus a Home shortcut • Backups and CSV imports keep reimbursement links intact BUDGETS & GOALS • Monthly caps for the whole ledger or a single category • Optional alerts at 80% and 100% • Strict Mode asks before you blow the budget (off by default) • Savings goals with optional target dates • Recurring rules: daily, weekly, monthly, or yearly SEE CLEARLY • Home: monthly income & spend, budget left, daily list • Trends, category mix, and calendar; parents expand to subcategories • Search notes, tags, and amounts • Hide amounts; lock with Face ID or passcode • Light and Dark follow the system; number formatting follows your region ORDER, VOICE, AND APPLE WATCH • Drag to reorder transactions, accounts, and ledgers. The running balance stays in date order • Spoken amounts are understood by voice and quick entry • Log on Apple Watch. It syncs when you open the phone • Attach a photo to a record. Photos follow iCloud, and Home can pull to refresh YOUR DATA, YOUR FILES • CSV import and export • Full JSON backup to a location you choose • Safety snapshot before restore A personal tracker—not a bank, not financial advice. Privacy: https://fengyunchuang.com/privacy-jf.php?app=账间小事