Sable Spend vs Paykeep

Give every dollar a job, see your real net worth, and pay your Zakat with confidence. Sable puts every account, budget and goal in one private app, in US and Canadian dollars. SEE YOUR NET WORTH, CLEARLY • Link checking, savings, credit cards, 401(k), IRA and investment accounts at 12,000+ banks in the US and Canada through Plaid • Add manual accounts for anything else: cash, property, a car loan • Net worth history and a forecast that shows when you reach your goals ZERO-BASED BUDGETS THAT MATCH YOUR REAL SPENDING • Sable suggests budgets from your actual spending, so you start in minutes • Every transaction is categorized for you, with rules you control • Bills and subscriptions are found for you, so forgotten charges stop SAVINGS GOALS YOU CAN FUND • Set goals for an emergency fund, a home, a trip or a new car • Assign money from real accounts and see the time to each goal ZAKAT AND HALAL TOOLS (OPTIONAL) • Zakat calculator with live gold and silver prices for an accurate nisab • Uses your real account balances, not a guess • Ethical spending report that shows spending at flagged companies MONEY FOR TWO • Create a household and share accounts, budgets and goals with your partner • See how you do together and one by one CANADIAN AND US DOLLARS, DONE RIGHT • Each account keeps its own currency • Totals convert at live exchange rates, in the currency you choose ASK YOUR MONEY ASSISTANT • Ask "Where did my money go this month?" or "Can I afford this trip?" • Answers come from your own transactions, and the assistant can set up budgets and goals for you PRIVATE BY DEFAULT • Bank connections are read-only, through Plaid. Sable never sees your bank password • Your data is encrypted and never sold • Your AI chats are never used to train models Sable is a personal finance tool. It is not a bank or a financial advisor. Also on the web at www.sablespend.com Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess. Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for. Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you. WHAT IT DOES - One steady number to live on: everything above it is a bonus - Always know what has come out this month, and what is still to pay - Months run payday to payday, so the bills reset the day you are paid - Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money - Pay stubs pre-fill from the last one: entry is a check, not a chore - Variable bills like groceries and electricity learn from what they actually cost - Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals - Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands - Savings pots and loans on honest bars: the goal, the plan, and the truth - A plain-words summary that reads your month back to you SET UP ONCE Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month. PRIVATE BY DESIGN No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay. ONE MONTH FREE Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only. Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://brambleapps.com/paykeep/privacy-policy.html