SiBalance vs BillVault

Manual budgeting. Redesigned. Take control of your money with a private budget planner built for iPhone and iPad. Free to get started. Unlock SiBalance Full once. No subscription. Plan clearly. Spend calmly. In private. SiBalance gives you a simple, intentional way to understand your money without connecting your bank accounts. Start with one budget for free, including the essential tools for everyday budgeting. Track income and expenses, manage repeating payments and see what is safe to spend. When you're ready for more, SiBalance Full removes transaction limits and unlocks the complete feature set with a single one-time purchase. No subscriptions. No advertising. No tracking. Built for people who want control, not bank connections. SiBalance helps you understand what is safe to spend or save without losing sight of upcoming bills, recurring expenses or future plans. Instead of relying on bank integrations or complicated budgeting methods, SiBalance gives you a clear picture of your finances through intentional manual budgeting. Stay in control, make informed decisions and spend with confidence based on your real financial situation. Whether you're moving on from spreadsheets, replacing paper budgets or simply looking for a more thoughtful way to manage your money, SiBalance brings manual budgeting into the modern age by choice, not compromise. **SIBALANCE FREE** Get started with one budget and the essentials for everyday budgeting. • One budget • 10 new non-repeating transactions per calendar month • Up to 5 active repeating transactions • Income and expense tracking • Categories • Safe to Spend calculations • Upcoming payments and quick views • Complete transaction history • Transaction and category search • Support for 159 currencies • No account required • No bank connection • No advertising • No tracking Repeating transactions continue automatically without using your monthly allowance. Your existing transaction history remains accessible, even when you reach your Free limits. **SIBALANCE FULL** Remove the limits and unlock the complete SiBalance experience with one lifetime purchase. • Unlimited transactions • Unlimited repeating transactions • Unlimited budgets • Goals • Forecasting • Insights and trends • Home Screen and Lock Screen widgets • Themes and customisation • Import transactions from screenshots • CSV Import and Export • iCloud Sync • Encrypted backups • Apple Pay additions via Shortcuts • Siri and App Intents support Track every expense, automate your regular payments and plan for the future without monthly transaction limits. One-time unlock. No subscription. Lifetime access. **APPLE PAY + SHORTCUTS** Manual budgeting without having to type everything manually. With Apple Shortcuts, eligible Apple Pay purchases can be added automatically to SiBalance. Purchase details such as the amount, merchant and date can be passed into SiBalance while you remain in control of the budget and category. Apple Pay additions via Shortcuts are included with SiBalance Full. No bank connection required. **PRIVACY FIRST** Your financial data stays yours. • No account required • No bank connections • No tracking • No advertising • No third-party analytics • Financial data stored privately • Optional iCloud Sync with SiBalance Full • Optional encrypted backups with SiBalance Full **DESIGNED FOR REAL LIFE** Whether you're managing monthly bills, tracking everyday spending or planning for the future, SiBalance helps you make confident financial decisions every day in a simple, private budgeting experience. **FREE TO GET STARTED.** Start budgeting for free with 10 new non-repeating transactions each month and up to 5 active repeating transactions. When you're ready for unlimited budgeting, unlock SiBalance Full once and keep it. No subscription. No recurring charge.

Every bill and subscription in one place, a reminder before anything is due, what is safe to spend until payday, and Apple Intelligence when you have a question about them. No account, no bank login, nothing sent to the developer. Reminders before anything is due • Reminders three days before and on the day • A calendar of everything due, with daily totals • Overdue bills front and center until they're paid • Autopay bills flagged so you can check the amount before it leaves Add a bill in seconds • Point the camera at a paper bill, the biller, amount and due date fill themselves in • Paste the text of an email bill • Open a bank statement export and BillVault finds the charges that repeat See where the money goes • Safe to spend until your next payday, once every bill due before it is counted • Import a statement and every purchase is sorted into a category • Spending by category, top merchants, month-over-month trend • Net worth from your account balances, with a trend line • Budgets per category, with bills counted automatically • Savings goals with a months-to-go estimate • Income with per-paycheck deductions and real take-home Cancel what you don't use • Drafted cancellation email for any subscription • A phone-call brief: what to say, how to answer the retention offer, what to get before hanging up It watches so you don't have to • Free trials flagged before they convert • Price rises caught the month they happen • Duplicate services spotted (two music apps, three streamers) • Budget alerts at 85% and 100% • A heads-up when bills due this week exceed your checking balance Ask anything • "What's due this week?" "How much do subscriptions cost me a year?" "Am I over budget?" • Everyday questions are answered instantly by the app itself; harder ones go to Apple Intelligence • On iOS 27, real reasoning from Apple's larger model on Private Cloud Compute, which can write the briefing and cancellation letters too • Works with Siri: "What's due in BillVault", "Mark a bill paid in BillVault" On your wrist and Home Screen • Apple Watch app and complication: this week's bills and anything overdue, and mark a bill paid from your wrist • Widgets for the Home Screen and Lock Screen, and on iOS 27 a tall widget that shows the month ahead • Live Activity: the bill due today shows in the Dynamic Island and on the Lock Screen Built for privacy • Runs on Apple Intelligence. On iOS 27 a question, the briefing, a cancellation letter or naming imported charges can use Apple's Private Cloud Compute, designed so that Apple cannot read it; switch it off in Settings and everything runs on your iPhone. Scans and photos never leave it • No account, no bank login, nothing sent to the developer • Face ID lock; card numbers stored in the Keychain • One-tap CSV export, your data is yours Also • Split bills with a roommate • Monthly check-in that catches price rises • Payment history with on-time tracking Free BillVault tracks unlimited bills with reminders, forever. BillVault Pro (a yearly subscription with a 7-day free trial for new subscribers, a monthly subscription, or a one-time purchase; local prices are listed under In-App Purchases on this page) adds unlimited scanning, statement import, net worth, the card vault, unlimited budgets and goals, and unlimited copilot questions. With Pro, start with your last three months of statements, then add one each month to keep recurring charges up to date. Family Sharing included. No ads, ever. Apple Intelligence features need iPhone 15 Pro or later, or a supported iPad or Mac, with Apple Intelligence turned on. Everything else works on iOS 26 or later. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period and can be managed in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://dlong8484.github.io/billvault-support/privacy.html