Check vs Mono Finance

Dinner for eight, a trip to the mountains, a shared flat, a gift for a colleague. It's always the same story: someone paid for everyone, someone chipped in half, and a week later nobody remembers who still owes what. Check-Check keeps track for you. AN EVENT INSTEAD OF NOTES ON YOUR PHONE Create an event, whether it's a trip, a party or a rented apartment, and add expenses as they happen. Everything the group spends lives in one place, not in a chat thread and not in somebody else's screenshots. A RECEIPT IN ONE SHOT Point the camera at the QR code on a Russian paper receipt and the items load by themselves: names, prices, quantities. All that's left is to mark who took what. No more typing it in line by line. SPLIT IT THE WAY IT ACTUALLY HAPPENED Evenly between everyone, or item by item: wine for three, dessert for one, the taxi halved. You can enter exact amounts when someone paid a bit extra. The app takes any combination and does the math. TWO OR THREE TRANSFERS INSTEAD OF TEN When everyone owes everyone, the list of payments gets long. Check-Check cancels the debts out against each other and shows the shortest way to settle: who pays whom and how much, so the whole thing closes in two or three transfers instead of ten. SETTLEMENTS BOTH SIDES CAN SEE Sent the money? Mark it in the app. The other person confirms it, and the debt closes for both of you. No more "but I did send you that" a month later. INVITE IN ONE TAP Share a link or show a QR code, and the other person joins the event themselves. Anyone without the app can simply be added by hand: expenses count for them exactly like for everybody else. TRY IT WITHOUT SIGNING UP Create an event and start recording expenses right after you install. If you decide to stay, sign in and everything you've recorded moves into your account. WHAT ELSE • Expenses grouped by day, so you can see where the trip budget went • Categories with icons: transport, cafes, housing, entertainment • Your own total and the group total, right there on screen • Notifications when a new expense appears or someone marks a transfer • Dark theme, no social logins, no ads Check-Check is free. We take no commission and process no payments: you send money the way you always do, and the app only remembers who is square with whom.

Mono is an expense tracker that needs nothing but your phone. No sign-up, no cloud, no subscription. Everything stays on the device and never leaves it. ONE LINE, ONE SECOND The Today screen is your spending for the day plus a single input line. Type "Coffee Boom 3 200", press return, done. The category comes from what you picked for that merchant before; for a new one it waits in a bar above the keyboard. Amounts accept arithmetic: "1200+340". APPLE PAY LOGS ITSELF A Wallet automation in Shortcuts hands each payment to Mono the moment it happens. A notification arrives with category buttons — you never open the app. THE MONTH AT A GLANCE Month shows totals per category and every transaction. The calendar puts a number under each day. The bottom of Today always tells you what is left until the end of the month and what that is per day. GOALS AND SAFETY NET A goal is an amount and a date; Mono works out the monthly figure and when you will get there at your current pace. Your safety net is measured in months of your normal spending. BUDGETS AND RECURRING A limit per category or for the whole month. Rent, subscriptions and salary are described once as a rule and appear on their own — as ordinary transactions you can edit or delete. WIDGETS Five of them: money left this month, safety net and nearest goal, a ring and a line on the Lock Screen, and a Control Center button for quick entry (iOS 18+). ALSO • Face ID or passcode on launch • A daily nudge to write things down • CSV export of every transaction • Light and dark theme, with an icon that follows it • Accounts — card, cash, savings — with transfers between them • Currency of your choice: tenge, ruble, som, dram, manat, lari, hryvnia and more • Long-press the icon for quick entry or review THE HONEST PART Mono is offline and has no server. That means no account, no ads, no analytics, and no sync between devices. Back up with an iPhone backup or a CSV export. There are no exchange rates: currency changes the symbol, not the numbers. Russian, English and Kazakh. iPhone, iOS 17 and later.