Prosperae vs Creso

Your money, finally clear. Prosperae turns everyday spending into charts you can act on — without ever asking for your bank password. No account, no sign-up, no cloud sync. Open it and start. WHY PEOPLE SWITCH • No bank login, ever. Your financial records stay on your iPhone. • Zero setup. Categories, icons and analytics work out of the box. • Built for real life: multiple currencies, cards, debts and recurring bills. LOG AN EXPENSE IN SECONDS • Speak it — say the amount and what it was for, and it's saved. • Scan it — photograph a receipt and let the amount and date fill themselves in, on-device. • Import it — CSV, Excel, PDF or a photo of your statement. Review every row before it saves. • Or just tap it in. Recurring entries repeat themselves. SEE WHERE IT ACTUALLY GOES Other apps hand you a list. Prosperae shows you the shape of your money: • Sankey flow — income in, spending out, at a glance • Heatmap — the days and weeks you overspend • Treemap and Sunburst — the categories that really dominate • Waterfall — what moved your balance this month • Net worth progression, cash flow forecast and savings rate trend STAY AHEAD OF THE MONTH • Budgets by period, with progress and overspend warnings • Bills and subscriptions with due dates and reminders • Credit cards with statements and billing cycles • Debts with a payoff projection, so you can see the finish line • Calendar view of everything coming up • Home Screen widgets: balance, budget progress, cash flow, upcoming bills PRIVATE BY DESIGN • No sign-up, no email, no password • No bank connection and nothing to link • Your data is encrypted on your device • Optional Face ID, Touch ID or PIN lock • Works completely offline PROSPERAE PREMIUM • Unlimited accounts, cards, budgets, bills and debts • Unlimited receipt scans and voice entries • Statement import from CSV, Excel, PDF and photos • Bill reminders and notifications • Daily exchange rates for multi-currency tracking • Encrypted backup and CSV export • Receipt and photo attachments • Chart export • App lock with Face ID, Touch ID or PIN Your finances, clearly. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ App Terms: https://prosperae.app/legal/terms-of-use.html Privacy Policy: https://prosperae.app/legal/privacy-policy.html

Will your money last the month? Creso answers on the first screen: what you have, what's still due and how fast you're spending — so you know what's left before you spend it. No bank to connect, no account to create, no ads. Answer two questions and you're already logging your first coffee. FREE — AND NOT A TRIAL • Log expenses, income and transfers in two taps • Budgets that show what's LEFT, not what you've spent • End-of-month forecast: what you have, plus what's due, minus how fast you spend • Fixed costs, found automatically: everything that charges you every month, totalled by the year, with price rises flagged. $13.99 a month is invisible; $167.88 a year is a decision • Net worth across every account, debts included • Debts both ways: what you owe and what you're owed — even the ones you only jot down as a reminder. Split a bill any number of ways in one tap • Savings, mortgage and loan calculators, with 40 years of real market returns to test your assumptions • Import a CSV, or paste your bank statement straight from a PDF or an email • Receipt photos, and four themes — including true AMOLED black and Glass • A full backup you can export and keep — always free. If you ever leave, you leave with everything CRESO PRO • Investment tracking, with your real return — overall and year by year • Accounts in other currencies, with daily exchange rates • A one-page monthly PDF report for your accountant • Your whole year told in plain sentences, and a forecast to December • Shared goals that several people fill from their own phones • Automatic backups, Face ID lock, export to Excel and CSV • Custom icons and colors • Unlimited budgets, goals, scheduled payments, accounts and categories Monthly or yearly. Cancel anytime in your Apple Account settings. PRIVACY, PLAINLY No account and no servers: your ledger is a file on your phone, and the app sends nothing about you. It makes two optional connections: it downloads the European Central Bank's public exchange-rate table if you hold another currency and — only if you add your own market-data key — it fetches quotes straight from that provider. Both can be turned off. No ads. Not in the free plan, not ever. Made in Providence by economists, investors and mathematicians. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://providencehq.es/en/creso/privacy/