Paykeep vs Zeroed

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess. Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for. Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you. WHAT IT DOES - One steady number to live on: everything above it is a bonus - Always know what has come out this month, and what is still to pay - Months run payday to payday, so the bills reset the day you are paid - Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money - Pay stubs pre-fill from the last one: entry is a check, not a chore - Variable bills like groceries and electricity learn from what they actually cost - Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals - Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands - Savings pots and loans on honest bars: the goal, the plan, and the truth - A plain-words summary that reads your month back to you SET UP ONCE Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month. PRIVATE BY DESIGN No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay. ONE MONTH FREE Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only. Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://brambleapps.com/paykeep/privacy-policy.html

Take control of your finances with envelope budgeting. Zeroed is a privacy-focused budgeting app that helps you achieve financial freedom using the proven zero-based budgeting method. Every unit of money gets a job. PRIVACY FIRST Your financial data stays on YOUR device. We never see your transactions. Your budget file is encrypted with AES-256 using a password only you know. OPTIONAL CLOUD SYNC Sync across devices using YOUR personal Google Drive. We only access files we create. POWERFUL FEATURES - Envelope budgeting: assign every unit of money to a category - Multiple accounts: current, savings and credit cards - Receipt scanner: snap a photo to add transactions - Smart import: bank statements (CSV, PDF) - Reports and charts - Scheduled transactions for recurring bills - Home-screen widgets: safe-to-spend and envelope balances at a glance - Dark and light themes NO SUBSCRIPTION — EVER Everything is free for 34 days. After the trial, a single one-time lifetime license keeps the whole app unlocked forever. If you decide not to buy, your data stays readable and exportable — it is never held hostage. YOUR DATA, YOUR CONTROL Local-first, encrypted on device, no ads, no tracking, export any time.