Parakit vs Advans

Parakit is a simple, private money tracker: log an expense in about 3 seconds — no account, no sign-up, no bank connection. Type the amount, tap a category, done. Your financial records stay on your device. FAST EXPENSE TRACKING • Numpad-first entry screen • Quick add by voice or text ("coffee 4.50") • 19 ready-made categories, plus your own • Clear income vs. expense summary with charts • Daily reminder and logging streak DEBT & IOU LEDGER • Track money you lent and borrowed, person by person • Due-date reminders • Send a friendly reminder via WhatsApp or SMS in one tap BILLS, SUBSCRIPTIONS & CARDS • Subscription tracker with renewal reminders • Cheques and promissory notes with due dates • Credit-card installment plans • Multiple wallets and accounts with balances • Upcoming payments at a glance ASSETS & NET WORTH • Cash, bank, gold, foreign currency, crypto and investments • Live gold and exchange rates when you're online • Gold by grams or coins • Net worth in your main currency REPORTS & PLANNING • Monthly summary, trends and a shareable monthly recap card • CSV export and CSV import • Set the month start day to match your payday • Home-screen widget PRIVATE BY DESIGN • Works offline — no account, no cloud • App lock with Face ID / Touch ID • Light and dark theme PREMIUM — ONE-TIME PURCHASE Parakit is free with ads. Premium is a single lifetime purchase, never a subscription: • No ads • Advanced reports and PDF export • Monthly budgets and category limits with alerts • Savings goals • Recurring transactions (salary, rent, bills) • Smart insights and receipt photos • Unlimited custom categories • Backup & restore to your own file • Accent colors Available in 13 languages, with multi-currency support.

Advans lets you access part of the salary you've already earned, before payday. Request an advance in the app, get it on M-PESA, and it's repaid automatically from your next salary. No guarantors, no paperwork, no awkward conversations. HOW IT WORKS 1. Your employer partners with Advans and sets your available limit. 2. You receive your login details by SMS and sign in. 3. Choose an amount within your limit and submit a request. 4. Once approved, the money is sent to your M-PESA. 5. On payday, the amount plus fees is deducted from your salary. Nothing more to do. KNOW EXACTLY WHAT YOU PAY Before you confirm, Advans shows you the amount, every fee, the excise duty, the total that will be deducted and the deduction date. What you see is what you pay. TRACK EVERY REQUEST Follow each advance from Requested to Approved to Disbursed to Repaid. Your home screen shows what's outstanding, how much has been repaid and when the next deduction happens. Every request has a reference and its M-PESA transaction code for your records. MORE THAN ONE EMPLOYER? NO PROBLEM If you work for more than one company on Advans, switch between employers in a tap. Each employer keeps its own limit and history. BUILT FOR YOU - Money goes straight to your M-PESA - Repayment comes off your payslip automatically - Light, dark or system appearance - Help a phone call away WHO CAN USE ADVANS Advans is available to employees of companies that have partnered with Advans. If your employer is enrolled, you'll receive your login details by SMS. If not, tell your HR or payroll team about Advans. NEED HELP? Call us on 0705385666 or tap Contact support in the app. By using Advans you agree to our Terms and Conditions, available in the app.