PennyPal vs Prosperae

PennyPal makes budgeting feel effortless. Track what you spend and earn, see what's left for the month, and understand where your money goes — in a clean, Apple-inspired app that keeps your data on your device. YOUR MONTH AT A GLANCE • Set a monthly budget and see what's left to spend • Today's snapshot, week-vs-week comparison, top categories and helpful alerts • Make the Overview yours — press, hold and drag cards to rearrange them TRACK IN SECONDS • Add an expense or income in a few taps, or swipe up on + to start instantly • Home-screen widget and quick actions for one-tap entry • Search every transaction by note, category or amount • Deleted something by mistake? Undo it right where it was RECURRING ON AUTOPILOT • Salary, rent, subscriptions and bills are added automatically on schedule • Pause, resume or edit them anytime • See what's coming up in the next 30 days INSIGHTS THAT MAKE SENSE • Key numbers and month-over-month comparison • Spending by category and your biggest changes vs last month • Daily net trend and clear insights about your habits MADE FOR YOU • Works in your currency • Light, Dark or Automatic appearance • 12- or 24-hour time, following your iPhone by default • Private by design: no account needed, and your transactions are stored on your device PENNYPAL PRO Upgrade to unlock: • Unlimited recurring transactions (the free plan includes 3) • Every Analytics chart and insight • No ads PennyPal Pro is an auto-renewing subscription. Payment is charged to your Apple ID when you confirm your purchase. It renews automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://khaireddines.github.io/policy.html

Your money, finally clear. Prosperae turns everyday spending into charts you can act on — without ever asking for your bank password. No account, no sign-up, no cloud sync. Open it and start. WHY PEOPLE SWITCH • No bank login, ever. Your financial records stay on your iPhone. • Zero setup. Categories, icons and analytics work out of the box. • Built for real life: multiple currencies, cards, debts and recurring bills. LOG AN EXPENSE IN SECONDS • Speak it — say the amount and what it was for, and it's saved. • Scan it — photograph a receipt and let the amount and date fill themselves in, on-device. • Import it — CSV, Excel, PDF or a photo of your statement. Review every row before it saves. • Or just tap it in. Recurring entries repeat themselves. SEE WHERE IT ACTUALLY GOES Other apps hand you a list. Prosperae shows you the shape of your money: • Sankey flow — income in, spending out, at a glance • Heatmap — the days and weeks you overspend • Treemap and Sunburst — the categories that really dominate • Waterfall — what moved your balance this month • Net worth progression, cash flow forecast and savings rate trend STAY AHEAD OF THE MONTH • Budgets by period, with progress and overspend warnings • Bills and subscriptions with due dates and reminders • Credit cards with statements and billing cycles • Debts with a payoff projection, so you can see the finish line • Calendar view of everything coming up • Home Screen widgets: balance, budget progress, cash flow, upcoming bills PRIVATE BY DESIGN • No sign-up, no email, no password • No bank connection and nothing to link • Your data is encrypted on your device • Optional Face ID, Touch ID or PIN lock • Works completely offline PROSPERAE PREMIUM • Unlimited accounts, cards, budgets, bills and debts • Unlimited receipt scans and voice entries • Statement import from CSV, Excel, PDF and photos • Bill reminders and notifications • Daily exchange rates for multi-currency tracking • Encrypted backup and CSV export • Receipt and photo attachments • Chart export • App lock with Face ID, Touch ID or PIN Your finances, clearly. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ App Terms: https://prosperae.app/legal/terms-of-use.html Privacy Policy: https://prosperae.app/legal/privacy-policy.html