Obolos vs Topf

Obolos is an expense tracker that lives on your iPhone. Your records are kept on the phone itself, with a copy in your own iCloud, so the app opens instantly and works offline — on a plane, abroad, anywhere without signal. LOG SPENDING IN SECONDS Four ways in, all a tap away: • Keypad — with a calculator built in, so you can add up a bill as you type. • Receipt — point the camera and your phone reads the total, on the device. (Premium — every account gets three free scans.) • Text & voice — type or say "coffee 4.50, taxi 12 and groceries 38.20", check the three expenses, add them in one go. (Smart mode, Premium — every account gets five free tries.) • Apple Pay — a one-time Shortcuts automation logs each card payment as you pay, to the right account, and asks for the category. DROP IN A STATEMENT Upload a bank statement as PDF, CSV or XLSX. Obolos compares it with what you have already logged and adds only what is missing — no duplicates and no bank login. (Premium — your first statement is free.) SEE WHERE YOUR MONEY GOES Spending by category and by day, your balance over time with upcoming payments ahead, and Insights that tell you whether this month is a normal one. Week and month views for this month and last are free; the year view, older months, forecasts and Insights are Premium. EVERY CURRENCY, ONE TOTAL Accounts in any of 159 currencies, each kept in its own. Totals convert to your main currency at daily rates, and a transfer between currencies is one operation at the rate you actually got. WHAT THE TRIP REALLY COST Set the dates and the spending inside them joins the trip: the total in the local currency and in yours, per day and by category. AND THE REST • Planned payments — rent, subscriptions, salary — with reminders that come from the phone itself, even offline. • Savings goals — each goal is a real account you transfer money into. • Balance adjustment — enter what the account really holds and Obolos records the difference. • Monthly category budgets with alerts (Premium). • CSV and JSON export (Premium). • Home-screen widgets, App Lock with Face ID, and light or dark mode that follows your iPhone. FREE Unlimited accounts, operations, transfers, goals and trips. Keypad with calculator, three receipt scans to try, and Apple Pay logging. Planned payments and reminders. Statistics for this month and last. No ads. PREMIUM Unlimited receipt scanning. Smart mode: a sentence, typed or spoken, becomes several expenses, and receipts your phone can't read are read for you. Bank statement matching. Category budgets. Insights, the year view, forecasts and your full history. Export. Monthly or yearly subscription, with a free trial for new subscribers. YOUR DATA Your ledger lives on your iPhone and in your own iCloud. Obolos never connects to your bank and never asks for bank credentials. Sign in with Apple. When you use Smart mode or statement matching, the text, photo or file you send is read once by our server and an AI provider and is not used for anything else. No ads, no data sales. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://evless.github.io/obolos/privacy

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: amount, category, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input and receipt scanning require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input and receipt scans, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/