Welfi vs Cuentio

Your money lives in more than one country. Your money app should too, and now it’s free. Welfi brings every account, every currency, gold, property, investments, crypto and debts into one net worth, in the currency you think in. It’s private by design: your financial data is encrypted on your iPhone before it reaches us. We can’t read your balances, and Welfi never asks for your banking password. FREE, WITH NO LIMITS The whole everyday app is free, for as long as you use it. No caps on accounts, currencies, budgets or transactions. SEE WHAT’S SAFE TO SPEND One honest number: what you can spend until payday, after bills, savings and debts Home insights that tell you what changed and why A financial health score, with the exact things that would move it BILLS THAT TAKE CARE OF THEMSELVES Bills to pay and Paid, side by side When a payment arrives, Welfi matches it to the bill and marks it paid. One row, never counted twice See what’s due, what’s renewing soon, and cancel subscriptions before they charge TRANSACTIONS WITHOUT TYPING Capture payments from bank SMS, email alerts and tap-to-pay with iPhone Shortcuts Import PDF, CSV or Excel statements: read, categorised, duplicates skipped Move over from another budgeting app in minutes Split one payment across categories; attach receipts BUDGETS THAT HOLD UP Give every dollar, euro or pound a job: plan, fund and move money between categories Recurring income and bills on any schedule, from every 3 weeks to every 18 months Savings goals, with the months to each one SHARE MONEY, NOT PASSWORDS Circles: a shared, encrypted space for a trip, flatmates or an event Split expenses, see who owes whom, settle up in any currency EVERYTHING YOU OWN, AND OWE Accounts in any currency, at live rates or your own Physical gold by gram, ounce or kilo; property and vehicles with value estimates Stocks, funds and crypto with every purchase tracked Loans, cards and debts, with payoff schedules End-of-service and pension estimates for your country REPORTS AND AI Spending by category, month or quarter, net worth over time; export to CSV, Excel or PDF Ask the Welfi AI assistant about your own money, in plain language. Free accounts get 25 AI credits to start and 10 more every month WELFI PLUS One upgrade for people who want more: Live prices for your investments, crypto and markets Forecasts: net-worth projection, retirement planner and scenarios Shared household budgets, and more than 2 Circles of your own Glass and Ledger themes, with matching app icons 200 AI credits every month New accounts try Plus free for 14 days. When the trial ends you keep everything on Free. MADE FOR IPHONE AND IPAD Five themes: Pearl, Midnight and Terminal free; Glass and Ledger with Plus Face ID lock, home-screen and lock-screen widgets, quick add from anywhere A full iPad layout with sidebar and keyboard shortcuts English, Arabic and French, fully right-to-left WHY NO BANK CONNECTION Bank aggregators need your banking credentials. We don’t want them. You add accounts yourself, import a statement, or let your bank’s own alerts do the typing. That’s also how Welfi covers the banks, currencies and assets aggregators miss. Welfi shows what you hold, with sources for published figures. It’s information, not financial advice, and it never tells you what to buy, sell or move. SUBSCRIPTION Welfi is free to download and use. Welfi Plus is an optional monthly or yearly auto-renewing subscription; AI credit packs are one-time purchases that don’t expire. Prices are shown in the app before you confirm. Payment is charged to your Apple Account. Plus renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Privacy policy: https://welfi-app.com/privacy Terms: https://welfi-app.com/terms How we protect your data: https://welfi-app.com/security

Where does your money go? Cuentio is an expense tracker with no bank linking: log each expense in two taps, or snap a photo of the receipt and AI records it for you in seconds. No bank credentials, no ads, and manual tracking is free with no limits. LOG EXPENSES IN TWO TAPS • Fast manual entry: amount, category, done. Unlimited expenses and income, free. • Unlimited accounts and categories, recurring expenses (rent, subscriptions) and home screen widgets so you can log without opening the app. SNAP A PHOTO OF THE RECEIPT • Scan a receipt and AI extracts the total, date, merchant and VAT. • You get a free monthly allowance of AI actions, with the counter always visible in the app. • The photo stays attached to the expense: your receipt archive, always at hand. SAY IT OR TYPE IT • "Coffee 3.50" spoken out loud or typed as is: AI turns it into a categorized expense. BUDGETS AND CLEAR REPORTS • Budgets per category with warnings before you overspend. • Monthly and category reports: see where your money goes at a glance. • Optional AI monthly summary that explains your month in plain language. SHARE HOUSEHOLD EXPENSES • Create a shared household and invite your partner with a code: every expense shows who logged it, with a balance per member. • Invited members don't pay anything. NO BANK LINKING, BY DESIGN • Cuentio never connects to your bank or asks for banking credentials. It's an expense tracker that works just as well with cards, cash or multiple currencies. • Logging expenses yourself makes you more aware of your spending: that's the point. YOUR DATA IS YOURS • Exporting to CSV, Excel or PDF is free, forever. No ransom for your own data. • Backup and sync across devices are included in the free plan. • Delete your account and take your data with you whenever you want. WHAT'S FREE AND WHAT'S PRO Free: unlimited manual tracking, accounts, categories, recurring expenses, budgets, reports, widgets, sync, backup, export and a monthly AI allowance. Cuentio Pro (monthly or yearly subscription): a larger AI allowance, AI monthly summaries, shared household for its creator, PDF export with receipt photos, automatic exchange rates and extra personalization. No weekly plan, and no ads on any plan. Cuentio is a money manager built for everyday spending: a daily expense tracker, a spending tracker for your monthly budget and a personal finance log in one simple app. If you want a budget app without bank linking, a receipt scanner that fills in the expense for you, and a money tracker your partner can share, download Cuentio and start today: logging your first expense takes less than a minute. https://www.lghdeveloper.com/en/terms https://www.lghdeveloper.com/en/privacy