Enoughly vs Kite

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?

Kite budgets the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own pay period, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • A Home Screen widget. What's left this period and your next bills, without opening the app. With the app lock on, it shows no amounts. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the cheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE YOUR BANK'S APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY • No account. Nothing to sign up for. • No bank connection. Nothing to link. • No analytics, no ads, no tracking. • Kite makes no network requests at all. Your budget never leaves the phone. • Optional unlock with Face ID, Touch ID or your passcode. • Backups are yours: save a file, keep it where you like, restore it when you change phones. Kite is not financial advice. It is a place to see your own numbers clearly.