Kârinca vs Welfi

Profant: Smart Financial Tracking & Budget Management Taking control of your financial life, managing your debts, and planning your expenses smartly is now much easier. Inspired by the diligence and savings philosophy of an ant, Kârınca is a completely user-centric personal finance assistant. Track where your money goes second by second, uncover hidden interest costs, and get out of debt by managing your budget efficiently with AI-powered analysis. Key Features: Current Payment Methods Management Define the payment methods you use in your daily life, such as credit cards, debit cards, or cash. By adding the interest rates of your credit cards, you can see the real costs you will face in your future expenses in advance. My Daily Expenses Log the instant expenses you make during the day in seconds. Select which payment method you used for your expense. If you used a method with an interest rate (like a credit card), Kârınca automatically calculates the extra interest burden that will be reflected in this expense. Smart Debt Tracking and Exchange Rate Loss Calculation Gather all your liabilities, from personal loans to gold debts, on a single screen. Track your monthly installments by entering the loan amount, interest rate, maturity, and payment days into the system. Moreover, thanks to market integration, instantly view the difference between the initial value of your gold or foreign currency debts and their current market value, calculating your potential exchange rate loss. Regular Payments and Subscriptions Add your recurring monthly expenses like rent, bills, and digital platform subscriptions (Netflix, Spotify, etc.) once, and avoid surprises when the payment day arrives. Create a complete map of your fixed monthly expenses. Income Management Process the income you earn from your salary, rent returns, or other sources into the system to clearly see the total financial power in your safe. Comprehensive Dashboard Analyze your net status on this screen where all your financial data interact with each other. See your "Real Usable Balance" remaining when your upcoming regular payments and monthly debt installments are deducted from your total income. Track your upcoming payments at a single glance with budget health charts. AI-Powered Finance Assistant Chat with your integrated AI assistant that works based on the data you enter. Your assistant analyzes your spending habits, offers personalized strategies to pay off your debts faster, and identifies areas where you can save money. Smart Guidance (Onboarding) You will never get lost with the guide screens that welcome you in every tab and explain how to use that section from the very first moment you start using the app. You can access these information screens again with a single click whenever you need them. Kârınca is not just a tool where you enter your financial data; it is a companion that processes and calculates your data, aiming to bring you to your financial freedom. Download Kârınca now to manage your budget effortlessly and start saving today! our privacy policy: https://karinca.store/policies/privacy-policy terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ contact: destekkarinca@gmail.com

Your money lives in more than one country. Your money app should too, and now it’s free. Welfi brings every account, every currency, gold, property, investments, crypto and debts into one net worth, in the currency you think in. It’s private by design: your financial data is encrypted on your iPhone before it reaches us. We can’t read your balances, and Welfi never asks for your banking password. FREE, WITH NO LIMITS The whole everyday app is free, for as long as you use it. No caps on accounts, currencies, budgets or transactions. SEE WHAT’S SAFE TO SPEND One honest number: what you can spend until payday, after bills, savings and debts Home insights that tell you what changed and why A financial health score, with the exact things that would move it BILLS THAT TAKE CARE OF THEMSELVES Bills to pay and Paid, side by side When a payment arrives, Welfi matches it to the bill and marks it paid. One row, never counted twice See what’s due, what’s renewing soon, and cancel subscriptions before they charge TRANSACTIONS WITHOUT TYPING Capture payments from bank SMS, email alerts and tap-to-pay with iPhone Shortcuts Import PDF, CSV or Excel statements: read, categorised, duplicates skipped Move over from another budgeting app in minutes Split one payment across categories; attach receipts BUDGETS THAT HOLD UP Give every dollar, euro or pound a job: plan, fund and move money between categories Recurring income and bills on any schedule, from every 3 weeks to every 18 months Savings goals, with the months to each one SHARE MONEY, NOT PASSWORDS Circles: a shared, encrypted space for a trip, flatmates or an event Split expenses, see who owes whom, settle up in any currency EVERYTHING YOU OWN, AND OWE Accounts in any currency, at live rates or your own Physical gold by gram, ounce or kilo; property and vehicles with value estimates Stocks, funds and crypto with every purchase tracked Loans, cards and debts, with payoff schedules End-of-service and pension estimates for your country REPORTS AND AI Spending by category, month or quarter, net worth over time; export to CSV, Excel or PDF Ask the Welfi AI assistant about your own money, in plain language. Free accounts get 25 AI credits to start and 10 more every month WELFI PLUS One upgrade for people who want more: Live prices for your investments, crypto and markets Forecasts: net-worth projection, retirement planner and scenarios Shared household budgets, and more than 2 Circles of your own Glass and Ledger themes, with matching app icons 200 AI credits every month New accounts try Plus free for 14 days. When the trial ends you keep everything on Free. MADE FOR IPHONE AND IPAD Five themes: Pearl, Midnight and Terminal free; Glass and Ledger with Plus Face ID lock, home-screen and lock-screen widgets, quick add from anywhere A full iPad layout with sidebar and keyboard shortcuts English, Arabic and French, fully right-to-left WHY NO BANK CONNECTION Bank aggregators need your banking credentials. We don’t want them. You add accounts yourself, import a statement, or let your bank’s own alerts do the typing. That’s also how Welfi covers the banks, currencies and assets aggregators miss. Welfi shows what you hold, with sources for published figures. It’s information, not financial advice, and it never tells you what to buy, sell or move. SUBSCRIPTION Welfi is free to download and use. Welfi Plus is an optional monthly or yearly auto-renewing subscription; AI credit packs are one-time purchases that don’t expire. Prices are shown in the app before you confirm. Payment is charged to your Apple Account. Plus renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Privacy policy: https://welfi-app.com/privacy Terms: https://welfi-app.com/terms How we protect your data: https://welfi-app.com/security