Enoughly vs ShiftPay

Know what's actually safe to spend. Most budgeting apps think in calendar months. Your money doesn't — it arrives by paycheck and leaves through bills. Enoughly is built around that reality: one honest number tells you what's truly spendable after the bills due before your next payday, with a safety net you never touch. ONE PURCHASE. NO SUBSCRIPTION. NO BANK LINKING. Enoughly is free to try for 14 days, then a single one-time purchase unlocks it forever on Mac, iPhone and iPad, with Family Sharing. It never asks for your bank credentials — import your bank's CSV, QFX, or OFX files instead. There are no servers, no accounts, and no analytics: your data lives on your devices and syncs through your own iCloud. The privacy label says "Data Not Collected" because that's how it's built. SAFE TO SPEND • Liquid cash − bills due before payday − your safety net = one glanceable number • On the Dashboard, in the Mac menu bar, and in home-screen and Lock Screen widgets • A Discreet widget option shows your status with no dollar amounts at all PAYCHECK-ENVELOPE BUDGETS • Give each category an allowance that refills every payday • Build envelopes automatically from your real spending history • See what's left in every envelope, and what's leaking outside them BRING IN YOUR TRANSACTIONS • Import the CSV, QFX, or OFX files your bank already offers • Automatic categorization, custom rules, and duplicate detection GET OUT OF DEBT • Snowball and avalanche payoff plans with dates and interest saved • A printable per-payday payment plan • What-if simulator: see how financing a car or making a lump-sum payment moves your debt-free date — including trade-ins with negative equity INSIGHTS THAT WATCH YOUR BACK • Paycheck report card after every payday: what came in, where it went • Alerts for bill spikes, possible double charges, and subscriptions that quietly raised prices • Optional AI coaching by Apple Intelligence, in the personality of your choice — from a drill sergeant to a butler YOUR DATA IS YOURS • Encrypted, password-protected backups • One-tap CSV export that opens in any spreadsheet or finance app • Net worth tracking across cash, credit, property, vehicles, and investments Enoughly: the paycheck-first budget for people who want one clear answer — can I afford this before payday?

ShiftPay is a private shift calendar and gross-pay estimator for hourly workers. Record your schedule, understand how each total was calculated, and compare your estimate with the pay stub you received. PLAN SHIFTS YOUR WAY • Add shifts in seconds • Reuse templates or paint shifts across multiple days • Build repeating rotations such as 2-2-3, Pitman, DuPont, or custom cycles • Import a posted schedule from a photo with on-device text recognition • View upcoming work in Home Screen, Lock Screen, and Apple Watch widgets ESTIMATE EXPECTED GROSS PAY • Track regular hours, unpaid breaks, tips, differentials, and overtime • See a transparent line-by-line calculation • Use U.S. federal and state overtime presets, or build custom rules for your own country • Review monthly, quarterly, and year-to-date earnings COMPARE PAYCHECKS Enter or scan a pay stub and compare it with ShiftPay’s saved estimate. ShiftPay helps you spot differences worth reviewing without claiming to provide payroll, tax, or legal advice. PRIVATE BY DEFAULT No ShiftPay account is required. Schedule and pay information stays on your device. Schedule photos are processed on-device. Optional private iCloud sync stores a copy in your private CloudKit database. Optional analytics and crash reporting remain off until you enable them. FREE AND PRO The calendar, unlimited shifts, templates, rotations, paint mode, pay estimates, CSV export, and one schedule import are free. ShiftPay Pro adds multiple jobs, supported state overtime presets, unlimited schedule scans, saved paycheck comparisons, long-range statistics, calendar and PDF export, and private iCloud sync. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. A lifetime purchase is also available. Prices and trial eligibility are shown by the App Store. Important: ShiftPay provides estimates based on information you enter. Your employer and official pay statement remain authoritative. The app interface is currently available in English. Terms: https://shiftpay-ff58e.web.app/terms Privacy: https://shiftpay-ff58e.web.app/privacy Support: https://shiftpay-ff58e.web.app/support