Konto vs Velorra

Konto keeps your accounts for you: your household money and, if you work as a freelancer in Italy, your partita IVA. Pay with Apple Pay and the expense logs itself, with the amount, the merchant and a category Konto learns from your choices. EXPENSES THAT LOG THEMSELVES Once, you create an automation in Apple's Shortcuts app by following Konto's step-by-step guide. From then on, Apple Pay payments in shops go into Konto on their own; for Apple Pay on websites in Safari, turn on the Konto extension and tap «Registra». Konto only receives the amount, merchant and card name of a payment that has already happened: it does NOT connect to your bank and never asks for banking credentials. The feature is optional. YOUR PERSONAL FINANCES • Transactions: income and expenses in order, by category and by month. • Budgets: a limit for each category, so you see at once how much you spent and where you went over. • Savings goals: a holiday, a car, emergencies. If you like, at the start of the month what you didn't spend from your budget moves to the goal you choose. • Subscriptions and instalments: streaming, gym, loans and mortgage, with a 12-month forecast. • Utility bills: electricity, gas, water and the rest of the home, with due dates and consumption. Take a photo of a bill and Konto fills it in. • Trips: set the dates and Konto gathers the expenses of those days, with total, daily average and a PDF report. • Analysis: where your money goes, by category, merchant and card. ADDING IS QUICK Dictate an expense in the app and the AI fills in amount, category and date, take a photo of a receipt, or import your bank's CSV: Konto categorises everything and spots likely duplicates. FOR ITALIAN FREELANCERS (PARTITA IVA, ITALIAN RULES) • Invoices and quotes with your logo, shared by link or PDF, with what you still have to collect in view. • Clients and cash flow always at hand. • In the Italian flat-rate regime (regime forfettario) Konto estimates substitute tax and INPS contributions and warns you as you approach the €85,000 threshold. Outside it, you see VAT payable and receivable quarter by quarter. • Tax calendar: F24, INPS and tax returns with the days left, based on your legal form. • Business trips: the expenses of a work trip become an expense report in PDF. HOME AND WORK, SEPARATE With Business + Personal you switch between household and business money with one tap: two accounts that never mix. AI ASSISTANT Konto AI helps you with budgets and goals, answers your questions and tells you where to find every feature. OFFLINE, SECURE, YOURS Konto works without a connection and syncs as soon as you are back online. Access is protected with Face ID. Your data is never sold and there are no ads. You can export everything or delete your account whenever you want. TRIAL AND SUBSCRIPTION Konto is free for 7 days after you sign up, with no payment details. After that, to keep using every feature, choose Personal, Business or Business + Personal, monthly or yearly: the price in your currency is shown before you subscribe. The subscription renews automatically unless cancelled at least 24 hours before the end of the period. Payment is charged to your Apple Account when you confirm the purchase. You can manage or cancel it in your Apple Account settings. GOOD TO KNOW • Automatic expense capture works on iPhone. On a computer, Konto runs in the browser with the same account. • Tax, VAT and INPS figures are estimates to help you set aside the right amount: they do not replace your accountant. Konto does not send electronic invoices to the Italian SDI. Privacy Policy: https://konto-finance-app.netlify.app/privacy Terms of Use: https://konto-finance-app.netlify.app/terms

Velorra is your personal money assistant: track spending in seconds, scan receipts with AI and understand where your money goes, without ever connecting a bank account. Your data stays on your phone. TRACK WITHOUT THE BUSYWORK • Add an expense in seconds: amount, category, done • Scan a receipt and let AI read every item and total (Plus) • Say it out loud: "spent 12 on coffee" becomes a transaction (Plus) • Recurring bills like rent and subscriptions, marked paid with one tap • Categories and subcategories that learn how you shop UNDERSTAND YOUR MONEY • Clear monthly overview: what came in, what went out • Budgets per category with alerts before you overspend • Monthly Review: see how this month compares to the last • Ask the AI assistant anything about your spending (Premium) BUILT FOR REAL LIFE • Projects: track a house build or renovation, phase by phase, with budgets • Shared profile for couples: pair two phones and everything syncs automatically, end-to-end encrypted (Premium) • Import your history from CSV or another app; export any time • 31 languages, works fully offline PRIVATE BY DESIGN • No bank account connection, ever • Your transactions live on your device, not on our servers • Shared-profile sync is end-to-end encrypted; nobody can read it, not even us • Face ID / PIN lock FREE, PLUS OR PREMIUM Manual tracking, budgets, recurring bills, import/export and the monthly overview are free, with a single small banner ad. Plus adds AI receipt scanning, voice entry and the AI monthly review, and removes ads. Premium includes everything in Plus, the AI assistant and the shared profile for couples, with a 7-day free trial. Questions or ideas? support@velorra.app Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/