Totum vs Rayscape

See your complete net worth—without linking a bank account. Totum is a private, offline-first net worth tracker that brings your assets, liabilities, savings, investments, and debts into one clear view. Add balances manually, follow your progress over time, and schedule income, dividends, and interest. Your financial records stay stored locally on your device. YOUR WHOLE PICTURE, AT A GLANCE • Track savings, cash, investments, property, loans, credit cards, and more • See assets, liabilities, and total net worth in one clean dashboard • Explore your progress across one month, three months, one year, or all time A HISTORY FOR EVERY ASSET AND DEBT • Record deposits, withdrawals, repayments, gains, losses, and adjustments • See each account’s performance on its own chart • Edit entries when details change • Set a new balance and automatically create the difference as a ledger entry INCOME AND DIVIDENDS, ON SCHEDULE • Add salary, recurring income, dividends, and bonuses • Choose a date, time, and monthly, quarterly, or yearly frequency • Set it once and let Totum add entries when they become due INTEREST, WITHOUT THE MATH • Add an annual interest rate to an asset or liability • Let Totum calculate daily compounding automatically • Catch up accurately after extended offline periods • See interest changes in the account history YOUR MONEY, YOUR CURRENCY • Use the currency inferred from your device, with USD as the fallback • Choose from 150+ supported currencies • Display net worth in a base and secondary currency • Convert balances using the latest online rate, enter a manual rate, or keep values unchanged • Continue using the latest saved exchange rate offline PRIVATE BY DESIGN Your accounts, balances, entries, income, and dividend schedules remain in Totum’s local database. Core tracking works offline. Currency conversion sends only the selected currency codes to an online service. Connectivity is required to view plans, subscribe, manage, or restore purchases. FREE AND PRO Start free with up to two assets and one recurring schedule. Totum Pro is an optional auto-renewing subscription that unlocks unlimited assets and recurring schedules. Available plans, localized pricing, renewal terms, and trial eligibility appear before purchase. Totum is designed for personal recordkeeping and does not provide financial, investment, tax, or legal advice. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

`Rayscape is a simple rental property management app designed for individual landlords who want an easy way to keep their rental information organized. Track your properties, tenants, rent, and expenses in one convenient place. Key features: • Manage rental properties • Keep tenant and renter information organized • Track rental income • Record property expenses • View your rental information in one place • Simple, clean interface designed for individual landlords Rayscape includes a 10-day free trial with access to all features. After the trial, you can purchase Full Unlock as a one-time in-app purchase to continue using all features. No recurring subscription is required.`