Monyze vs Harubi

Who with, what for, how - track and analyze your spending from every angle Monyze is a new kind of budget tracker that lets you tag each transaction with multiple categories at once. When you record "$50 dinner with a friend": Other apps: Food $50 - done. Monyze: Who? Friend / What? Food / Type? Variable - all at once! Now you can instantly see how much you spend with friends, how much of your food budget is fixed costs, and so much more. [!!!Launch Special - All Features Free!!!] Download now and enjoy every feature, including premium tools, completely free. [Multi-Angle Analysis - Only in Monyze] - Multi-Category System Apply multiple classification layers to each transaction: "With / For / Nature" and more. Add, edit, or remove top-level categories freely. Build your own classification system. How to use it: - With: Track spending by companion - Me, Friends, Partner, Family - For: Categorize by purpose - Food, Transport, Culture, Living - Nature: Fixed vs Variable costs for financial health checks - Add your own: "Payment method", "Project", "Trip" - any angle you want - Category Filter Analysis Toggle category layers on and off in pie charts and bar graphs to explore your spending patterns from every angle. - Linked Transactions Link related transactions and only the net amount counts in your totals. Records are preserved, double-counting is eliminated. Perfect for: - Splitting bills: Pay $100 for the group, get $75 back, only $25 counts as your expense - Lending and repaying: Link the loan and repayment to see the net impact - Investment buy and sell: Link purchase and sale to instantly see your profit or loss - Card cashback and rewards: Link the cashback to the original purchase for true spending - Refunds: Link the refund to the purchase for clean accounting [Smart Money Management] - Income, expense and savings at a glance per account - Charts by period (weekly / monthly / yearly) - Calendar view with daily income and expenses - Transaction search (category filter + text search) - Edit, delete, or unlink transactions anytime [Works Worldwide] - 14 currencies supported - Record in local currency while traveling - auto-converted to your base currency - Manually adjust exchange rates anytime - Full English and Korean support [Excel Dashboard Export] - Export all transactions to a polished Excel file in one tap - Financial dashboard: savings rate, emergency fund ratio and fixed-cost ratio auto-diagnosed - Set a net worth goal and get required savings and investment return calculated automatically - Weekly, monthly and yearly summaries with category breakdowns - Auto-filters to slice and dice your data freely [Privacy First] - No servers - all data stays on your device - Even we cannot see your data - Works perfectly offline - PIN lock to protect your app Understand your spending in 3D with Monyze, and take the next step toward your financial goals. Contact: uraniumura1996@gmail.com

Snap it, and it fills itself in. You just check. Receipts, payment text alerts, the transaction list inside your banking app — photograph or screenshot them, and Harubi reads the date, amount and merchant and fills the entry in for you. No ads, no account, no bank login. ■ Why photos instead of a bank connection? Harubi never asks for your bank credentials. · Cash never shows up in a bank feed. A photo of the receipt catches it. · You never hand your bank login to a third party — there is nobody to hand it to. · Nothing to sign up for. Open the app and start. ■ Three kinds of images, sorted out automatically · Paper receipts — merchant, total and date, read straight off the slip. · Payment and card alert messages — screenshot the alert and it becomes one transaction. · Bank and card statement lists — screenshot the transaction list in your banking app and every row is read at once. Whatever you send, a review screen comes first. Correct a misread figure, untick a row you don't want, then save. ■ Several screenshots, stitched into one list A statement never fits on one screen. Scroll, take as many screenshots as you need, and hand them over together. · Overlapping stretches are matched up by running balance, so nothing is imported twice. · If a date header was cut off at the top of a shot, the date is carried across from the neighboring shots. · Transactions you have already saved come back pre-unticked. ■ Share now, sort it out later Send images to Harubi from Photos or Messages with the share sheet. iOS won't let an app launch itself, so nothing happens at that moment — but the next time you open Harubi, everything you shared is waiting and gets sorted in one go. ■ Private by construction · Text recognition runs on your iPhone, through Apple's Vision framework. Photos are not uploaded for processing. · Your transaction records stay on this device. · No account, no login, no bank connection. · No ads, no tracking. The App Store privacy label reads "Data Not Collected". · Not a single analytics or advertising SDK, and no third-party libraries at all. ■ The budgeting part · Income, expense and transfer entries with a large number keypad · Daily, calendar, weekly, monthly, summary and memo views · Transaction search — by details, category or asset, narrowed to a period, with your recent searches kept · Category statistics (pie chart) with period and account filters · Per-category budgets with remaining amount and spending pace · Event budgets — keep a trip, a holiday or a move on its own named budget, apart from your monthly one · Trend tab — your daily balance, and the transactions behind any day · Balance trend graph per account · Double-entry asset tracking — cash, bank and card balances kept in step · Recurring expenses — rent, subscriptions, anything that leaves on the same day each month · Automatic insights — budgets nearly spent, too much in Other, month-over-month jumps · Backup and restore to a JSON file (photos and videos attached to memos, and recurring-expense rules, are not included in the backup) · On-device AI — a summary of your month and category suggestions for Other (iOS 26 on Apple Intelligence devices) · Light / dark mode and theme colors ■ Receipts we read Korea, Japan, the United States, Germany and the Philippines. Budgeting is all about consistency. Start light — just today's spending. iPhone only. Requires iOS 17 or later.