Milli vs Eluna Budget

A private money tracker that asks nothing of you. No account, no ads, no data collection — and one payment instead of a subscription. Log what you spend in a couple of taps, and see where the month is going. TRACK WHAT YOU SPEND • Log an expense or income in seconds from the amount pad • Smart Chat — log expenses by typing in plain language, and Milli learns your words to file them automatically. Add your own Taught words for instant sorting • A color-coded category wheel that fills in as you type • Custom categories and icon tags to slice spending your way • Proper transfers between accounts, counted once instead of twice • Recurring payments so rent, salary and subscriptions post themselves • Ask Siri to log an expense without opening the app SEE WHERE THE MONTH WENT • A dashboard with your balance, your spending and what is left • Budget Mode — set a monthly target overall or per category, and watch progress live • Spending rate tells you whether you are ahead or behind for the month • Category breakdowns, savings trends and net worth, without a spreadsheet • Multiple accounts and ledgers in different currencies, with your own exchange rates • Swipe between months, or pick any date range you like ON YOUR HOME SCREEN AND YOUR WRIST • Seventeen widgets: net worth, this month's spending, budget progress, spending rate, expense categories, account favorites and one-tap add buttons • Add an expense straight from a widget without opening the app • A full Apple Watch app for logging while you are out • Runs on iPad too — the same app on a bigger screen, no second purchase GROW A GARDEN WHILE YOU SAVE • Earn a coin for every transaction you log by hand • Spend coins on an aquarium and a garden — fifty species to collect • Streaks and a running count of the days you have logged • Budgeting that doesn't feel like homework YOUR DATA IS YOURS • There is no Milli account and no Milli server. We never see your numbers. • The "Data Not Collected" label on this page is not marketing — Milli collects nothing at all • Optional iCloud sync keeps your devices in step through your own private iCloud, which only you can read • Lock the app with Face ID or a passcode • No ads, no trackers, nothing sold to anyone SPEAKS YOUR LANGUAGE Milli is fully translated into 32 languages — Arabic, Bengali, Chinese (Simplified and Traditional), Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian, Polish, Portuguese, Romanian, Russian, Spanish, Swedish, Thai, Turkish, Ukrainian, Urdu and Vietnamese — with currencies and date formats that follow your region, not ours. FREE, AND PREMIUM Milli is free to use with three accounts, twenty expense categories and five income categories. One purchase unlocks unlimited accounts, categories and color tags, iCloud backup and sync, CSV and backup export, every widget, and the Apple Watch app. Pay once, use forever. No auto-renewal, no monthly fee, no free trial that quietly becomes one. Questions or ideas? We read every message.

Eluna Budget keeps every transaction on your phone. No bank login, no account, no subscription, no ads. Nothing to sign up for, and nothing to cancel later. WHY NO BANK CONNECTION An aggregator wants your banking credentials and sells what it learns from them. This app never asks. You type an expense in a couple of seconds, or photograph a receipt, and that stays between you and your device. TWO WAYS TO BUDGET Simple limits: a ceiling per category and how much is left. Or envelopes: give every amount that comes in a job until nothing is unassigned. Both support rollover, and a period that starts on your card's statement day instead of the 1st. SEE WHERE IT IS HEADED Net worth across every account as one trend line. Forecast to the end of the month from your recurring bills and income, with a warning before the balance goes under. Auto-categories from local rules — payee contains Starbucks, category is Coffee. No bank sync, no cloud AI; the rules run here. FAST ENTRY A calculator keypad, repeat-last, long-press a category for its subcategories, and receipt scanning that reads the total from a photo on the device itself. The photo goes nowhere. EVERYTHING A LEDGER NEEDS Accounts, categories, tags, transfers, split transactions, recurring payments, savings goals, debts in both directions, and reconciliation against a paper statement. 63 CURRENCIES Each account in its own currency. Rates refresh once a day if you allow it, or you type them in by hand and nothing is ever fetched. IMPORT INSTEAD OF A BANK LOGIN CSV, OFX and QIF files from your bank, read on this device. The app remembers each bank's column layout so the second import is one tap. YOUR DATA, YOURS TO TAKE Full CSV and JSON export, free and always there. Encrypted backups behind a password, automatic backups on a schedule, and PDF reports for any period. SYNC WITHOUT OUR SERVER We do not run one. Sync goes through your own iCloud, or through a file you control — a shared folder, a network disk. Whoever holds that file sees ciphertext and nothing more. PRIVATE BY CONSTRUCTION The database is encrypted with SQLCipher. Lock the app with a passcode or Face ID. There are no analytics, no crash reporters, no ad networks and no cloud AI anywhere in the dependency tree — not switched off, absent — and you can check that yourself on the licenses screen. The only requests the app can make are exchange rates, and only if you turn them on. FREE Every feature, from the first launch. There is no paid tier, no trial and no watermark. The only thing you can buy is a tip, and it unlocks nothing. ONE HONEST NOTE There is no background sync on iOS: changes travel when you open the app, not while it is closed. Also: 61 languages, nine app icons, and achievements awarded for the habit of writing things down — never for how little you spend.