Cofra vs Margin

Cofra is a private personal expense manager for everyday spending in ISO currencies. Built for people who want a clear ledger—not a bloated finance suite. Add an expense in seconds, pick a currency from a searchable catalog, organize it with one category, optionally assign it to a monthly fund, and see where your money goes by day, week, month, year, or a custom range. WHAT YOU CAN DO • Record positive amounts in validated ISO 4217 currencies with an optional note, one category, and a date/time • Choose currency from a searchable picker with suggestions and A–Z browsing • Set a default entry currency for new expenses; changing it never rewrites stored history • Search locally by note, category name, or fund name • Filter Expenses by amount, currency, category, fund, and date range • Browse a newest-first expense list grouped by day • Review Dashboard totals, spending trends, and category breakdowns • See native totals in each stored currency; mixed periods stack separate amounts instead of a converted grand total • Filter Dashboard and Expenses independently • Create monthly spending funds and track category defaults • Create, rename, re-icon, archive, restore, and manage your categories • Export your ledger—or only the visible Expenses search and filter results—to a local UTF-8 CSV file through the system share sheet • Add an expense from Home Screen widgets, Control Center, or Shortcuts • Lock the app with Face ID or passcode • Choose System, Light, or Dark appearance on each device • Use the app in English or Vietnamese PRIVATE BY DESIGN Expenses, categories, and funds sync through your private iCloud (CloudKit) database. Appearance, language, and default entry currency preferences stay local to each device. Search runs on this device. CSV export is written locally and shared through the system share sheet. There are no Cofra accounts and no shared ledgers. DESIGNED FOR iPHONE AND iPAD A modern SwiftUI experience with adaptive layouts for compact and regular widths. Home Screen widgets include Small, Medium, Large, and Extra Large on iPad. REQUIREMENTS Requires iOS / iPadOS 26.0 or later. Entry currencies follow a validated ISO 4217 catalog. When a period includes more than one currency, Cofra shows separate native totals rather than a converted combined sum. Cofra keeps the scope intentionally small so the core loop stays fast and trustworthy.

Track expenses and income in your own words. Margin turns everyday money notes into a clear personal ledger, so you can see where your spending goes without filling out forms. WRITE IT LIKE YOU SAY IT Type "coffee 4.50" or "lunch 20 split 4 ways". Add a date or a money source in the same line. Margin reads the details, organizes the entry, and keeps your share. Review and correct anything it reads. KEEP TRACK, EVEN OFFLINE Save typed notes when you have no connection. Clear entries can be read on your iPhone; AI features and syncing need an internet connection. No bank connection or bank password is needed. SCAN A RECEIPT Take a photo of a receipt and turn its items into entries you can review. Receipt reading uses AI and your Reads allowance. SEE WHERE YOUR MONEY WENT Browse your spending by week, month, or year. Check categories, compare your spending with your monthly budget, and search the words you remember. KEEP RECURRING COSTS IN VIEW Record subscriptions and recurring bills. See expected costs separately from the spending you have already recorded. ASK ABOUT YOUR SPENDING Ask "how much on coffee this month?" and see an answer based on your own entries, with the entries shown so you can check it. TAKE YOUR LEDGER WITH YOU Export your entries as CSV, PDF, or JSON. Writing, editing, searching, browsing your ledger, and exporting are free. START FREE Margin includes a free allowance of Reads for AI features: 25 to start, plus 15 each month, with up to 50 saved. A Read is Margin's unit for AI processing; the cost depends on the feature. Margin Plus offers 1,500 Reads per month with a monthly or yearly auto-renewing subscription. See current pricing in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the current period ends. Your Apple Account is charged for renewal within 24 hours before the end of the period. Manage or cancel your subscription in your App Store account settings. Margin is a personal ledger, not financial advice or an accounting system of record. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://marginmoney.app/terms Privacy Policy: https://marginmoney.app/privacy