Paranova vs Noviq

Two ledgers, one app: your personal budget and your business books. Log income and expenses in one tap and keep your budget on track; for your business, keep customers on account, write invoices, and watch payments come in. Ad-free. PERSONAL — free • Income & expense tracking — categorize every transaction • Accounts & cards — manage multiple accounts in one place • Budgets — set category budgets and get alerts when you overspend • Savings goals — watch yourself get closer to what you want • Recurring transactions — auto-log rent, salary, and bills • Subscription tracking — never forget Netflix, Spotify and more • Debts & loans — installment plans and early payoff amounts • Reports & charts — clearly see where your money goes • Smart insights — tips about your spending habits • Multi-currency — each account in its own currency • Face ID / PIN lock — keep your finances private BUSINESS — for shops, freelancers, small companies and teams • Contacts on account — customer and supplier balances on one screen; share a statement, send a reminder over WhatsApp or SMS • Invoices & quotes — automatic numbering, VAT and withholding; turn a quote into an invoice in one tap • Receivables — open and overdue totals on your home screen • Team & roles — invite your team; staff report expenses with a receipt, you approve • Cash register — opening, count, difference • Tax calendar — VAT, withholding and provisional tax periods • Stock — issuing an invoice moves stock; low-stock warnings • Time entries — bill your hours to an invoice • Staff advances & payroll records • Business report & accountant export — share the period's invoices as CSV AI — with your account, free for now • Scan receipts — take a photo; amount, date and category fill in • Purchase invoices — supplier, line items and VAT from a photo, PDF or e-invoice XML • Bank statements — CSV, Excel and PDF; balance check, duplicate removal, category suggestions • Loans from a repayment plan — pick your bank's plan and the loan form fills in • Monthly review — what changed this month, in a few points Nothing is written to your ledger until you save. Your documents are analyzed, not stored. ACCOUNT & CLOUD SYNC Open a free Paranova account and your data is backed up to the cloud and synced across your devices — switch phones and nothing is lost. The business ledger and team features run on your account. You can also start without an account and move your records over when you sign up. PRIVACY Your data is stored on our servers in Turkey and travels over an encrypted (HTTPS) connection. It is never sold, never used for ads, never shared with third parties. Without an account, your records stay on your device. Receipt photos are kept on your phone; documents you have read by AI are analyzed and not stored. You can delete your account and your data from inside the app at any time. Business modules are free for the length of the beta. WHO IS IT FOR? Anyone who wants to see where their money goes — and anyone running a shop, a freelance practice or a small company from their phone. Contact & support: info@paranovaapp.com

Noviq is a personal finance app designed to track your income, expenses, credit cards and installments in one place. • Accounts: cash, bank, gold and foreign currency side by side • Credit cards: limit, debt, statement and due-date tracking • Installments: see how purchases weigh on the months ahead • Recurring transactions: rent, bills and subscriptions post automatically • Budget: category-based spending with a monthly view • Reports: income vs. expense comparison and category breakdown • Calendar: upcoming payments day by day, with reminders • Privacy: Face ID/PIN lock and one-tap amount hiding With Premium: • Cloud backup — your data survives a lost or new phone • Multi-device sync • Data export / backup file Local use is free. Premium is offered as a monthly or yearly subscription (yearly gives you 2 months free). Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/