Budget Balancer vs KeepTabs

See what's coming before it hits your account. Your bank balance shows today. It doesn't show the rent leaving on the 1st, the card payment on the 15th, or whether payday arrives before the direct debits do. Budget Balancer maps your money as a timeline, so you can answer the only question that matters: will my balance survive the next 30 days? No bank linking. No logins. No sending your financial data to a server. Open it and start planning. Map your money timeline Add your accounts, paydays, bills, transfers and known one-offs. Budget Balancer draws your balance curve day by day, so you can see exactly where you're heading — not where you've been. Spot the tight days early The forecast highlights low-balance days before you reach them, so you can move money or shift a payment while there's still time. No more mid-month guessing about whether you'll overdraft next Thursday. Know you're safe to spend Instead of guilt-tripping you about last month's coffees, Budget Balancer tells you what's genuinely free to spend once the bills ahead are covered. Handle credit cards properly Track balances, statement amounts and new spend, compare payment strategies, and see how a card payment lands on your cash flow through the payment date — not the purchase date. See the bigger picture Track wealth items like savings, investments, pensions, property and mortgages, and test scenarios for overpayments, loans and savings goals. Built for how you actually get paid Weekly, fortnightly, four-weekly or monthly — plan around your real pay cycle, not a tidy calendar month. Budget Balancer is local-first. Start without creating an account, import CSV, JSON or PDF files when useful, export your own backups, and keep widget balances hidden unless you choose to show them. The free version gives you a focused planning setup. Budget Balancer Pro unlocks unlimited accounts and elements, longer forecasts, advanced card modelling, balance alerts, imports, exports, wealth projections, saved scenarios and quick credit-card spend capture. Budget Balancer is a planning tool. It does not provide financial advice, investment advice, lending, banking, account aggregation or payment initiation. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Know what your bills and subscriptions actually cost. Most people underestimate what leaves their account each month. KeepTabs adds it all up — streaming, broadband, insurance, the gym, that trial you meant to cancel — and shows you one honest number. See the real total Every bill and subscription in one place, with the true annual cost and what that works out at per day, week and month. Switch between monthly and yearly on any screen. Never get caught by a trial again Free trials are where the money goes quietly. KeepTabs tracks when each one ends, warns you early and again on the day, and shows exactly what you'll be charged if you do nothing. It can't cancel for you — no app can — but it makes sure you know in time. Know what's left to spend Type in what's actually in your account and KeepTabs works out what's safe to spend before your next payday, after everything still due comes out. Per day and per week, recalculating as the days pass — on the home screen, in a widget, and on your watch. Budget by payday, not by calendar month Tell KeepTabs when you're paid — daily, weekly, four-weekly or monthly, from more than one source if you have them — and see exactly what's still due before your next payday. Most people budget from payday to payday, not from the 1st to the 31st. See what it's really cost you Tell KeepTabs when you signed up and it adds up everything you've paid since — at the price it was at the time. Record a price rise and it remembers: "up from £5.99, three rises since you joined". Most people have no idea. Still worth it? KeepTabs asks you to look again at things you've been paying for a while, so something you stopped using doesn't quietly renew for another year. See what's coming A calendar of every payment, and a timeline of the months ahead. Annual renewals show up as the spikes they are, instead of hiding inside a monthly average. On your home screen and your wrist Widgets for the home screen, lock screen and StandBy. An Apple Watch app and complication showing your total, what's left to spend, and what's due next. Contracts and price rises Record when a minimum term ends and get a reminder a month ahead, while there's still time to switch. Know a price is going up? Enter it, and every forecast accounts for it. Private by design No account. No sign-up. No analytics. No ads. Your data stays on your device and syncs through your own iCloud — the developer can't see it. KeepTabs never asks for your bank details. Free Track up to five bills or subscriptions, with the full calendar, pay-period tracking, what's left to spend, trial tracking, price history, renewal reminders, widgets, the Apple Watch app, iCloud sync, currency conversion and Siri shortcuts included. KeepTabs Pro • Unlimited bills and subscriptions • Insights — where your money concentrates, and the month that hurts most • 12-month forecast, including price rises you've recorded • What each of the next few pay periods will cost • Overlap detection — spot two services doing the same job • Split household costs, so a shared bill only counts your share • Money saved — what cancelling has actually won back • Year in Review — your subscription year, shareable • Spend limits per category • Tags and custom categories • CSV export • Seven themes, plus create your own Available as a yearly subscription with a free trial, or a one-off lifetime purchase. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/