Budget. vs Paper & Prosperity

Budget. is a no-nonsense personal finance app that puts you in control of your money — without subscriptions, without cloud accounts, and without sending your data anywhere. Your money stays on your phone. Always. Everything is stored locally on your device. No account required. No server. No tracking. Just you and your finances. TRACK EVERY FRANC Add income and expenses in seconds. Your balance updates instantly. See exactly what came in, what went out, and what's left — all in one place. KNOW WHAT'S SAFE TO SPEND Budget. calculates your safe-to-spend amount by factoring in upcoming recurring bills, savings goals, scheduled debt payments, and provisions. No more guessing. RECURRING TRANSACTIONS Set up monthly or weekly schedules for rent, salary, subscriptions, and more. Budget. tracks which ones are paid, which are pending, and which are coming up — right on the dashboard. SAVINGS GOALS Create goals for anything — a holiday, a new car, an emergency fund. Contribute each month and watch your progress build. PROVISIONS Set aside money each month for quarterly or annual bills like insurance or taxes. When the bill arrives, the money is already waiting. DEBTS & LOANS Track what you owe and what you're owed. Set repayment schedules, record payments, and see the remaining balance at a glance. NET WORTH Add your assets and liabilities for a full picture of your financial health. Savings goals and debts are included automatically. BUDGET LIMITS Set monthly spending caps per category and get visual warnings when you're approaching or over the limit. ENCRYPTED BACKUP Export an AES-256 encrypted backup of all your data to Files, iCloud Drive, or anywhere you choose. Restore it anytime with your PIN. Your data never touches a server. BEAUTIFUL THEMES 8 carefully designed colour themes including Midnight, Dawn, Arctic, and more. Budget. is built for people who want a clear, honest view of their finances — without the complexity of spreadsheets or the privacy concerns of cloud-based apps. No subscription. No account. No nonsense.

Paper & Prosperity is a free personal finance app for budgeting, debt payoff, savings tracking, and building real financial freedom. Budget. Save. Thrive. MONTHLY BUDGET Zero-based budgeting system. Every dollar has a job. Know exactly where your money is going every month. DEBT PAYOFF TRACKER Track every debt and destroy it with Snowball or Avalanche strategies. See your debt free date and watch it get closer every single month. SAVINGS VAULTS Build savings vaults toward any goal. Emergency fund, vacation, new car, or anything that matters to you. Watch your progress grow one contribution at a time. PAYCHECK BUDGETING Plan every paycheck before you spend it. Know exactly what each check needs to cover so you never run out before the next one. YOUR MONEY COACH AI-powered personal finance assistant. Ask anything about your budget, debt payoff, or savings goals, or how to use any feature. Answers personalized to your actual numbers. 20 free questions per month. BILL CALENDAR Never miss a payment. Track all your bills in one place with reminders before they're due. Mark payments as paid with one tap. EXPENSE LOG Track every expense quickly and easily. See exactly where your money went and why. INCOME LOG Track all income sources. Full time job, side hustle, freelance, gig work — log it all in one place. NET WORTH TRACKER Track your total net worth over time. Watch it grow as you pay off debt and build savings. FINANCIAL HEALTH SCORE Your personal financial health score from 0 to 100. Track budget adherence, debt payoff progress, and savings growth all in one number. SPENDING TRENDS Charts and reports showing exactly where your money goes. Monthly breakdowns, category totals, and PDF or CSV export. CASH FLOW FORECAST See your balance for the next 30 or 60 days, with paydays and bills laid out in order. Plan ahead with confidence. SMART SUGGESTIONS Personalized tips based on your actual financial situation. No generic advice — real guidance built around your numbers. MADE FOR IPAD A roomy layout with a sidebar and full-size dashboards on iPad, and iCloud keeps it in step with your iPhone and Mac. COMPLETELY FREE No ads. No subscription required for core features. 100% private — your personal data stays on your device. No bank connection required. No data sold. Ever. Built by Debt Free Empire — dedicated to helping real people achieve financial freedom. Paper & Prosperity — Budget. Save. Thrive. debtfreeempire.com