Tracaura vs Kite

Money, made calm. Tracaura answers one question every day: what is actually safe to spend? Not what is sitting in your account — that number lies. It does not know your rent is due, or that you meant to save this month. Tracaura works out what is genuinely yours to spend today, after your savings are set aside and your rent is covered, and shows you that one number. SETTING UP TAKES A MINUTE Tell it roughly what you earn, what your rent is, and how much you would like to save. That is the setup. From then on, log what you spend and watch the number move. That is the whole loop. WHAT YOU GET • One number that answers "can I afford this?" • Savings protected first, before anything else — no willpower required • Rent set aside automatically each month • Scan a receipt instead of typing it out • Insights that notice patterns you would miss • A monthly roast — a light, honest look at where the month went • A weekly check-in that takes ten seconds WHAT IT DELIBERATELY DOES NOT DO • It does not connect to your bank. You enter what you spend, so nothing is guessed and no banking credentials are ever shared • It does not sell your financial data. Not with your name on it, and not without • It does not show ads, and nothing follows you to other apps • It does not shame you. No red warnings, no alarms, no lecture about coffee RECEIPT SCANNING Point your camera at a receipt and the total, merchant and date are filled in for you. The photo is read once and never stored — not by us, and not in our database. PREMIUM The free version covers your daily number, receipt scans, and a couple of insights each refresh. Premium adds all five insights refreshed daily, unlimited receipt scans, your full monthly roast, and access to every month you have tracked. ABOUT THE AI Insights and the monthly roast are generated automatically from the figures you enter yourself. They are observations, not financial advice — nobody at Tracaura is a financial adviser, and nothing in the app is a recommendation about your money. If a topic does not land, tap "Never show this" and it will not come back. Your account and financial history are stored in Canada. Terms of Use: https://tracaura.com/terms Privacy Policy: https://tracaura.com/privacy

Kite budgets the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own pay period, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • A Home Screen widget. What's left this period and your next bills, without opening the app. With the app lock on, it shows no amounts. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the cheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE YOUR BANK'S APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY • No account. Nothing to sign up for. • No bank connection. Nothing to link. • No analytics, no ads, no tracking. • Kite makes no network requests at all. Your budget never leaves the phone. • Optional unlock with Face ID, Touch ID or your passcode. • Backups are yours: save a file, keep it where you like, restore it when you change phones. Kite is not financial advice. It is a place to see your own numbers clearly.