MOA vs 3s Kakeibo

MOA is a personal finance app for income, expenses, transfers, budgets, and assets in one place. Record monthly money in and out, assign every dollar to categories, and see what is available to spend this month. Track assets and liabilities together to understand net worth, then use goals and insights to review your habits. KEY FEATURES • Record income, expenses, and transfers with fast amount entry • Review your ledger by day, month, or calendar • Assign a monthly budget with Ready to Assign • See category assigned, spent, remaining, and overspending states • Summaries for income, spending, and net flow • Spending pace, category mix, and monthly trend insights • Manage cash, cards, loans, assets, liabilities, and net worth • Set category goals and track progress • Automate recurring and installment transactions • Customize category and account icons, colors, and order • Choose a base currency and display converted foreign amounts MOA focuses on an easy daily record and a clear view of this month's budget flow. It does not connect bank accounts or import transactions automatically; you control the records and budget.

The number one reason expense trackers fail? You forget to log. 3s Kakeibo shrinks the distance to zero. Log an expense right from where you are — no app launch required: • Home Screen widget: tap a smart preset amount, done (interactive, iOS 17) • Lock Screen widget: see this month's total, tap to log • Action Button & Siri: just say "log with 3s Kakeibo" • Control Center (iOS 18): one swipe, one tap INSIDE THE APP, 3 SECONDS FLAT The keypad is ready the moment the app opens, your last category is pre-selected, and four preset amounts re-order themselves by how often you use them. Mis-tapped? Undo within 10 seconds. NO PAYWALL, NO TRIAL LIMITS • Unlimited history: view and edit every record you ever logged • Monthly reports: category breakdown, month-over-month, daily average • Up to 8 ledgers and custom categories (up to 24) • Full-history CSV export ADS, AND HOW TO REMOVE THEM A banner sits at the bottom of the History and Report tabs — never on the entry, editing or settings screens, and never while the keyboard is up. One optional one-time purchase, "Remove Ads", makes it disappear for good. It unlocks nothing else, because nothing else is locked. PRIVATE BY DESIGN Your records never leave your device. No accounts, no bank linking, and no analytics. The app works fully offline. Figures shown are informational, based on your own records — not financial advice.