Otally vs MintMonitor

Otally shows you what your bank balance will be — next week, next month, or a year from now. Most budgeting apps look backwards and tell you where your money went. Otally only looks forward. Enter your paychecks and your bills once, and it draws the whole year ahead so you can see the day your balance dips before it happens. HOW IT WORKS 1. Tell Otally your current balance. 2. Add your income and bills with their dates and how often they repeat. 3. See your projected balance on every day for the next 18 months. WHAT YOU GET - Running balance — see exactly what you will have after every paycheck and every bill. - Low point alerts — set a cushion, and Otally lists every day in the next 12 months your balance is projected to fall below it. Find the tight week in March while it is still January. - Calendar or list — see the month at a glance, or scroll a clean list of what is coming. - Real amounts, not just estimates — when the actual power bill arrives, adjust that one date without disturbing the recurring amount. - Recurring anything — weekly, biweekly, or monthly, with an end date when a loan finishes. - Built for both — designed for iPhone, with a full two-column layout on iPad. WHAT OTALLY IS NOT Otally does not connect to your bank. There is nothing to link and no credentials to hand over. You type in your paychecks and bills yourself, which takes a few minutes once, and means the forecast is built from what you actually know is coming — not from guessing at last month's spending. Otally is a forecasting tool, not financial advice. It does arithmetic on the numbers you give it. PRIVATE BY DEFAULT No account. No sign-up. No email address. Your balances and records are stored on your device and are never sent to us, because there is no server to send them to. PRICING Otally is free to try for 14 days — no payment details required, and no charge when the trial ends. After that, continue for $1.99 per month, or pay $49.99 once and keep it forever. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

MintMonitor projects your balance forward, one day at a time. Most budgeting apps are good at telling you where the money went. MintMonitor tells you where it's going: bills and paychecks land on their real dates instead of being smoothed into a monthly average, so you can see the day your balance dips while there's still time to do something about it. YOUR BALANCE, THREE MONTHS AHEAD • Every day between today and three months out, with the balance at the close of each one • Read it as three figures or as a balance chart, drawn from the same day-by-day walk • The low point in each cycle, dated — a tight week is visible before you reach it • Cleared and pending kept apart, so you know what's actually in the account A PROJECTED CALENDAR YOU CAN READ TWO WAYS • A month grid showing each day's net movement and the balance after it • Or a table: one row per day, with income, expenses and the projected balance in their own columns • Tap any day to see what it's made of — every bill, paycheck and budgeted amount behind the figure • Pick the one the dashboard opens in, and switch whenever you like BILLS AND PAYCHECKS ON THEIR REAL DATES • Bills weekly, every two weeks, monthly, quarterly or annual • Paychecks weekly, every two weeks, twice a month or monthly • Add a bill as paid, or drop one from the month when it isn't happening • Reminders ahead of a due date, and a follow-up if one goes past due BUDGETS THAT MATCH HOW YOU'RE PAID • A budget per category, by week, two weeks, half-month or month • Dated bills come out of their budget rather than on top of it • Alerts when a category is near its limit or over it — you pick the point • Start your budget cycle on the day you're actually paid, not the 1st • Choose which day your weeks begin, separately from that cycle WHERE THE MONEY IS GOING • Spending broken down by category over 30, 60 or 90 days, or six months • Income against expenses, month by month • Savings goals with a target amount and a target date, editable as plans change • Reserve a goal's contribution as a budget, on the day the money actually moves SET UP IN ONE SITTING • A guided walkthrough for your starting balance, income and budgets • Suggested budgets to start from, rather than a blank page • Set up mid-month and the first cycle scales to the days that are left • A tour of the app whenever you want it again YOUR TRANSACTIONS, AND YOUR WAY OUT • Filter by date, type, cleared status or category, and save the view you use most • Export your full history to CSV whenever you want it BACKED UP AND IN STEP • Cloud backup after changes, restored on any device you sign in to • Sign in with Apple, and delete your account and its data from inside the app BUILT TO BE PLAIN • Every figure traceable to what produced it — no unexplained numbers • Dark and light themes • Eight currencies • A glossary of every term the app uses NO BANK CONNECTION MintMonitor never asks for your bank login. You enter what you earn and what you owe, and every projection is built from that. SUBSCRIPTION MintMonitor Access unlocks the whole app — no limited tier, no upsells inside. Choose monthly or annual, starting with a free trial. Payment is charged to your Apple ID at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. MintMonitor is a budgeting tool. It doesn't give financial advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/