Granule vs Kiggo

Granule is a personal finance manager built for people who want the full picture, not just a balance. Know what you can spend today, where the month is heading, and what the year ends at, what your net worth is, tax tracking, subscription tracking - all on your phone, with nothing sent to anyone. AVAILABLE VS LEDGER BALANCE Granule separates what you can actually spend from what you simply hold, so the number you act on is always available money, free of locked savings and upcoming bills. Your expense and income categories fill as you spend/earn, showing exactly how much of each budget remains before you go over/hit your target. DAILY BUDGET & SPENDING HEATMAP Set a monthly budget and Granule splits it into a daily allowance, adjusting automatically as you go. Overspend on one day and the remaining days recalibrate on their own. A morning notification delivers your daily spend budget before you reach for your card. Your budget heatmap, on the other hand, turns months of spending habits into a calendar you can read in a glance. FINANCIAL HEALTH SCORE A real-time score built from four pillars of your finance pattern: liquidity, savings rate, stability, and trend. Granule's robust model calculates all four, produces a score, and explains in plain language what is working and what needs improvement. YEAR-END FINANCIAL FORECAST Based on your actual pace through the year, Granule projects where your income, spending, and net balance will land by year-end, each figure set against last year so you see your trend and course-correct on time. It also calculates a survival estimate: how many months your current savings would carry you if your income stopped today. SUBSCRIPTION TRACKER Track all your subscriptions in one place. Granule totals your recurring commitment, shows the percentage of your income going to auto-renewals, alerts you before each charge hits, and logs every renewal as an expense automatically so you don't have to manually enter these charges. NET WORTH & ASSET TRACKING Track net worth across fiat accounts, foreign currencies, cryptocurrencies, precious metals, and other assets such as property and vehicles. The Net Worth Trend is the chart you've always wanted for your money. It plots how your total wealth has moved every day across whatever period you choose, and you can switch between week, month, year, and all-time to zoom from the last few days all the way out to the full arc of your financial life. SAVINGS GOALS Create financial goals with a target amount and a due date. Granule tracks percentage complete, amount saved, amount remaining, and days to the deadline. Money parked in a goal is flagged as locked across the entire app so it is never mistaken for spendable balance. TRANSACTION HISTORY Browse any custom date range and Granule frames it with opening balance, closing balance, and net change. Search transactions, and filter by category or account. INCOME & EXPENSE REPORTS Gain deeper insights into your finances with period-to-period income & expense comparisons, charts, and detailed category & subcategory breakdowns. TAX REPORTS Mark expenses as tax-deductible or income as tax-exempt when you record them, and generate the initial tax report. Granule builds the year-end report automatically in the background all year long. When you need it, share as a polished PDF in a tap. LOAN TRACKER Track loans given and taken with repayment progress, outstanding amounts, and due dates. Keep track of loans marked as active, repaid, forgiven, or written off as bad debt. Granule notifies you before each loan's due date arrives. PRIVATE BY DESIGN No account required. No sign-up. No server holds your data. Everything you record stays on your device. Granule connects to the internet only to fetch live exchange rates and verify Pro access. Nothing you type is ever read, stored, or shared. Granule is Available in 8 Languages. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Kiggo is for you if you want to understand stocks – not be told what to buy. Search for a company and Kiggo explains what you're looking at: the price, the key figures and the jargon – in plain language. Think of it as a patient friend, not an analyst. WHO IS KIGGO FOR? • You've never bought a stock and want to understand it first • You own a few stocks and want an overview without spreadsheets • You want to learn to read a chart and a key figure THE WORLD'S MARKETS A world map of 42 markets plus cryptocurrency. The colors show at a glance how each market is doing today. LOOK IT UP AND UNDERSTAND IT Search stocks, ETFs and crypto. Price, chart and key figures – every number explained in everyday words. THE RATING – SHORT, MEDIUM AND LONG TERM Three rings show how a stock looks right now, over the coming weeks and in the long term – with an explanation of why. TECHNICAL ANALYSIS AND PRICE ALERTS Indicators such as RSI and MACD, moving averages, pivot points, support and resistance – across five timeframes from 15 minutes to one month. Every number is explained in everyday words. Set a price alert and Kiggo sends a notification to your iPhone when the price reaches the level – even when the app is closed. GLOSSARY AND TAX Investing terms explained without the jargon – plus the basics of tax in your own country, always showing which year the figures apply to. KIGGO PLUS Everything in Kiggo is included in Kiggo Plus: the world map, search, the rating, technical analysis and price alerts for all stocks, ETFs and crypto. New subscribers get the first week free. After that, Kiggo Plus is available monthly or yearly – the annual subscription gives you two months free. Prices are shown in the app in your local currency. Payment will be charged to your Apple Account at confirmation of purchase, or when the free week ends. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it at any time in your App Store account settings. QUESTIONS AND ANSWERS Can I try Kiggo first? Yes. New subscribers get the first week free. Cancel in your App Store account settings at least 24 hours before the week ends and you pay nothing. Can I buy stocks in Kiggo? No. Kiggo is a tool for learning and keeping track. You buy stocks through your own bank or online broker. Does Kiggo tell me what to buy? No. Kiggo shows you what the numbers mean, so you can make up your own mind. It is not investment advice. Can I follow cryptocurrency? Yes. Bitcoin, Ethereum and other major cryptocurrencies, with price, chart and explanation. Which languages is Kiggo available in? 25 languages, including English, Danish, Swedish, Norwegian, Finnish and German. Terms of Use: https://kiggo.dk/vilkaar.html Privacy Policy: https://kiggo.dk/privatliv.html All investing involves risk, including the risk of losing your entire investment. Prices are delayed by about 15 minutes.