Paranova vs Clanfolio

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

Your family's money lives in a dozen places: a pension here, an ISA there, a mortgage, the car finance, the house itself. Clanfolio gathers all of it into one picture — what you own, what you owe, and which way it's heading. Add an account, type in its balance, and you're tracking it. There's no bank to connect and no permissions to grant, so the only figures in Clanfolio are the ones you put there. ONE PICTURE, THE WHOLE HOUSEHOLD Your net worth, what you own and what you owe, each with a chart for the last month, 3 months, 12 months or since you started. Tap any figure to see what's behind it. The By person view shows who holds what, including anything joint. EVERY KIND OF ACCOUNT Current accounts, savings, ISAs, Premium Bonds, pensions, investments, property, credit cards, loans, car finance and mortgages. Hold them in other currencies and Clanfolio converts them to yours. FIVE MINUTES A MONTH Update balances is one screen with every account on it, so a month's admin takes one pass. Anything you haven't touched in a while is flagged, so nothing quietly goes stale. Log individual transactions when they matter, and skip them when they don't. EVERYONE ON THE SAME NUMBERS Invite your partner or your parents with a link. They see the same household, so nobody is working from a figure they half-remember. ASK ABOUT YOUR OWN MONEY The built-in assistant answers questions like "what's our biggest liability?" or "how much is in pensions?" using your household's real figures. It has nothing else to draw on, so it can't invent a number. YOUR DATA, YOUR COPY Export everything to Excel or CSV whenever you want, or download a full backup to keep. Delete your account, and everything in it, from inside the app. Clanfolio doesn't sell your data and carries no ads. It isn't a budgeting app, and it doesn't give financial advice — it shows you your own numbers, clearly, and leaves the decisions to you. On iPhone and iPad, in light or dark. CLANFOLIO FAMILY Try everything free for 14 days, with no card needed. After that, Clanfolio Family is one subscription that covers everyone in your household, on every device, billed monthly or yearly. Exporting and backing up your data stays free, subscribed or not. Payment is charged to your Apple Account when you confirm. The subscription renews automatically at the same price unless you cancel at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings. Terms of Use: https://www.clanfolio.com/terms Privacy Policy: https://www.clanfolio.com/privacy