PocketLeft AI Expense Tracker vs Payback+

Expense tracking, a gold and currency portfolio, a debt ledger and budgets — all in one app, and your data never leaves your phone. Here is the difference: what would gold bought in 2019 be worth today? Is the money you lent a year ago still the same money? PocketLeft answers with live market data — it does not just record the number, it shows what it is worth now. WHAT IF I HAD BOUGHT BACK THEN? Pick a date and an amount in the past; see what gold or foreign currency bought that day would be worth today, at real historical rates. • A one-off purchase, or setting a little aside every month • Beyond nominal profit: how many grams of gold that money buys today • Real market data from 2017 onwards • Free DEBT TRACKING Money you lend does not stand still. See what it was worth the day you lent it, and what it is worth now. • Keep money you lent and borrowed in one ledger • The difference between that day and today, at live exchange rates • Follow the same amount in grams of gold • Photos, transaction history, partial payments and due-date reminders GOLD AND CURRENCY TRACKING • Gram and ounce gold, plus quarter, half, full, Cumhuriyet, Ata and Resat coins in Turkish lira mode • US dollar, euro, pound and 10 more currencies — 13 in total • Live market rates, updated every 30 minutes • Profit and loss, portfolio breakdown and price charts going back 9 years BILL SAVINGS ASSISTANT Ever wondered whether your water and electricity bill is normal? • Compare your bill with the average for similar-sized households • Reference data for 30 countries • See where your money actually goes • Savings suggestions calculated from your own unit price • Completely free, entirely on your device INCOME AND EXPENSE TRACKING • Over 30 ready-made categories (bank fees included), unlimited custom ones • Credit card balance and limit management, card spending kept separate • Record credit card interest separately, added correctly to your card debt • Recurring payments: rent, subscriptions, bills and instalments handled automatically • Cash, card and bank account kept apart BUDGETS, SAVINGS AND ANALYSIS • Set category budgets and get notified when you go over • Set a savings goal and watch your progress • Holiday account: track spending abroad in a separate currency • Pie charts, monthly trends, cash flow and cumulative savings • Export as PDF, Excel or JSON AI ASSISTANT • Ask about your spending habits; the answer comes from your own data • Voice entry: say "dinner last night was 350", the app does the rest • Chat by voice message and get tips based on your data QUIT SMOKING PROGRAM What would be left in your pocket in five years if you quit? • Work out the money from 1 month up to 10 years • Smoke-free days, money saved and time gained • Suggests your pack price and daily count from your own spending • World Health Organization health milestones and achievement badges PRIVACY FIRST • Your financial data stays on your device, never sent to a server • Use it without creating an account • No forced ads — watch a short ad if you like and use some features free • App lock with PIN and fingerprint TRY IT FIRST Explore the app in Sample Account mode with 12 months of realistic data; your own data stays safe and comes back exactly as you left it. POCKETLEFT PREMIUM The AI assistant, voice entry, PDF/Excel export and unlimited budgets and savings goals are in Premium; ads switch off completely. Monthly or yearly subscription, with a discount on the yearly plan. 21 languages and dark mode included. Terms of Use (EULA): https://ceptekalan-25839.web.app/terms Privacy Policy: https://ceptekalan-25839.web.app/privacy PocketLeft — Your money, under control.

Payback+ keeps payments, updates, and shared spending on track — privately and friction-free. Chasing friends for money is rarely the hard part because of the amount. It is hard because you are too busy to chase, forgot to chase, or it is simply too awkward to chase. Payback+ is built to solve exactly that. Instead of jumping between chats, payment apps, and mental notes, Payback+ keeps shared spending, payment updates, and settlement records in one place — so you can stay on track without constantly following up. When friends pay, you can see that they have paid and how they paid. When you need to pay someone, you can go straight to their preferred payment method. No more asking, “PayMe or FPS?” No more digging through old messages. No more higher chance of sending money to the wrong person. And because privacy comes first, only approved friends can see the payment details needed to pay you. With Payback+, you can: • Track money in and money out in one app • See who has paid, who has not, and what still needs action • Get notified when friends say they have paid • Pay friends the way they prefer • Reduce the chance of paying the wrong person • Keep clearer shared records without extra effort • Avoid awkward reminders and messy back-and-forth • Use it for free, with no usage caps or group limits Payback+ helps handle the follow-up, so you do not have to. Less chasing. Less friction. Less awkwardness. Just clearer payments, smoother coordination, and better friendships.