RAYUL 가계부 vs Snowball

RAYUL 가계부는 매일의 수입과 지출을 빠르게 기록하고 예산, 자산, 반복 내역, 통계를 한곳에서 관리하는 무료 iPhone 전용 가계부입니다. 빠른 기록 화면에서 자연어 입력과 사용자가 직접 붙여넣은 카드 승인 문자 파싱을 지원하고, 첨부 파일과 메모로 내역을 정리할 수 있습니다. 월/주/일 캘린더, 기간별 통계, 예산 추천과 복사, 계좌/카드/이체 관리, 반복 내역 관리, iCloud 백업과 복원, 홈 화면 및 잠금 화면 위젯을 제공합니다. 데이터는 기본적으로 기기 안에 저장됩니다. iCloud 백업은 사용자가 설정에서 직접 켠 경우에만 Apple iCloud의 개인 CloudKit 데이터베이스에 저장됩니다. 광고, 구독, 인앱구매, 외부 분석 SDK, 금융기관 로그인, 문자 자동 읽기는 포함하지 않습니다.

■ A tiny snowflake becomes a snowball Snowball is a different kind of money app: it puts the money you KEPT front and center. That $5 coffee you skipped today isn't just $5 — rolled forward with compound growth, it's a much bigger snowball in 10 years. Snowball shows you that future value the moment you save it. ■ Tempted? Park it first The best way to beat an impulse buy is to delay the decision — just a little. Found something you want? Park it in Snowball for 6 hours, a day, 3 days, or a week. When the time is up, we'll ask again: "Still want it?" If you held out, the money goes straight into your savings record. If you bought it — that's a decision too. No guilt either way. ■ Habits that stick - Streaks: every day you save, your streak grows - Snowflake collection: each saving mints a one-of-a-kind snowflake - Badges: milestones worth collecting - A mascot that grows with your savings ■ A full expense tracker, too - Track spending and income, customize categories and payment methods - Budgets with pace gauges and smart suggestions - Recurring expenses logged automatically — even end-of-month due dates - Weekly spending report: what you spent, what you kept - Natural-language quick entry, home screen widgets ■ Travel and shared ledgers - Shared trip ledgers with foreign currencies and 1/N settlement - A shared household book for couples — you choose what to share, always - Comments on entries, so the ledger becomes a conversation ■ See your future - Asset scenario simulator: optimistic, base, pessimistic — in one chart - Goal planner that tells you when you'll get there at your pace - Subscription cost comparison: what canceling really earns you Start with one skipped coffee. Watch it snowball.