PayDock vs Accounova

PayDock keeps your household bills and subscriptions in one place — so nothing slips through the cracks. TRACK EVERY BILL See every recurring expense at a glance. PayDock shows what's due this week, what you've already paid, and exactly how much of your monthly budget is left. Get alerted when bills are coming up and mark them paid with a tap. BUDGET AT A GLANCE Set a monthly budget and watch it fill in real time as bills are paid. PayDock breaks your spending down by category — Utilities, Streaming, Insurance, Phone, and more — so you can see instantly where your money goes each month. SHARE WITH YOUR HOUSEHOLD Add family members or housemates to your household. Everyone sees the same bill list, can mark bills paid, and gets the same reminders. Shared finances, no more chasing. SECURE LOGIN VAULT Store the login credentials for every service you subscribe to — Netflix, Spotify, your energy provider, your bank — encrypted and accessible only to your household. No more "what was the password?" moments. ORGANISED BY CATEGORY Tag bills by category and filter your list in seconds. Set per-category budget limits and get notified the moment you go over. AUTOPAY TRACKING Mark bills as autopay and PayDock tracks them separately — so you always know what's coming out automatically versus what needs a manual payment. Every new PayDock account automatically starts with 14 days of full Pro access, with no card or payment method required. After the trial, your existing data remains visible and exportable in read-only mode and is never deleted. PayDock Pro lets you keep adding and editing records and use household sharing. On iOS, subscribe directly in the app using Apple in-app purchase for $4.99 per month. The subscription renews automatically each month until canceled in your Apple ID settings. Manage or cancel your subscription at any time from Settings > Apple ID > Subscriptions on your iPhone, or from the Account tab in PayDock. Tap "Restore Purchases" in the Account tab if your Pro access does not appear after a previous purchase. Terms of Use (EULA): https://paydock.app/terms Privacy Policy: https://paydock.app/privacy

The hardest part of tracking expenses isn't the math — it's remembering to do it. Accounova cuts logging down to a single sentence. ■ Three ways to log Say it: "Coffee 6 bucks" — the amount, category, and note are filled in for you. Snap it: Point it at a receipt, an order confirmation, or a payment screenshot. The AI reads the amount and merchant. Type it: Describe it like a text message. "Groceries yesterday, 84 at Trader Joe's" lands on the right date. Prefer to do it yourself? Manual entry is always two taps away. ■ Everything a real ledger needs · Multiple ledgers — keep personal, household, and business separate · Accounts — cash, checking, savings, credit cards, PayPal, Venmo, with transfers between them · Categories and subitems — not just "Food," but "Food / Lunch" · Monthly budgets — set a total or per-category limit and see overspending early · Scheduled entries — rent, subscriptions, loan payments post themselves · Reimbursements — flag what you fronted and track what's still owed · Exclude from stats — loans and internal transfers stay out of your real spending ■ Statistics you'll actually read See trends by month, by year, or by category, and tap any category to drill down to individual transactions. The calendar view shows which days cost you the most. A home screen widget keeps this month's total one glance away. ■ Siri and Shortcuts "Log an expense in Accounova." "How much did I spend this month?" "Read a receipt screenshot." Log and check without opening the app. ■ Your data is yours Accounova has no account system and no servers. Everything is stored on your device and synced through your own private iCloud database — we can't see it and we can't reach it. AI features are optional and use your own API key from a provider you choose . The key is stored in your device's keychain. When you use AI, the relevant entry data goes directly from your phone to that provider — never through us. No key, no problem: logging, budgets, statistics, accounts, and iCloud sync all work fully without one.