SpendNote vs Kob Budget

Track expenses and income in seconds, plan monthly budgets, and understand where your money goes—without creating an account or connecting a bank. SpendNote is a private, offline-first expense tracker and budget planner. Your ledger stays on your device by default, with no ads and no third-party analytics SDKs. PRIVATE BY DEFAULT • No account required to start • No ads and no ad SDKs • No bank connection required • Your ledger stays on your device by default • No third-party analytics SDKs MADE FOR THE EVERYDAY • Fast amount entry for expenses and income • Useful default categories plus free custom categories • Monthly overview, budget progress, recent activity, search, and repeat bills • Notes, dates, local backup and restore • Recent CSV export in the free plan • Face ID protection when you want it UNDERSTAND WHAT CHANGED Use on-device insights, monthly review, and filtered reports to see category drivers, compare periods, and answer specific spending questions without uploading your ledger. SPENDNOTE PRO Pro adds advanced filtered reports, recurring-cost control, deeper trends, unlimited budgets, private Home Screen and Lock Screen widgets, and full-history or filtered CSV export. Widgets show simple budget status without exposing transaction details. SpendNote Pro is an auto-renewable subscription available monthly or yearly. Eligible new subscribers may receive a 7-day free trial. Prices, billing currency, tax, and trial availability are shown by Apple before purchase and can vary by storefront. Payment is charged to your Apple Account after a trial ends. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account subscription settings. Restore purchases is available in the app. SpendNote is a personal budgeting and bookkeeping aid, not a financial institution. It does not provide investment, tax, legal, loan, banking, or credit advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Kob helps you stay on budget. Give every dollar of your paycheck a job, keep your bills and debts on schedule, and always know what's safe to spend today. EVERY DOLLAR A JOB Kob uses zero-based budgeting. Split each month's income between spending, bills, debt payments and savings until nothing is left unassigned. You decide where your money goes before you spend it. KNOW WHAT'S SAFE TO SPEND Kob sets aside everything you've planned, from rent to savings goals, and shows how much you can spend today without falling behind. PLAN MONTH BY MONTH Each month has its own plan. Plan next month ahead of time, copy last month's plan, or start fresh. Change one month without touching the others. BILLS AND SUBSCRIPTIONS Track what's due and what's paid. Amounts can change from month to month, and you can skip a month or add a one-time bill. Get a reminder the day before and on the day each bill is due. PAY DOWN DEBT Track credit cards, loans and buy-now-pay-later plans. Kob adds interest daily, lets you pay monthly or every two weeks, and shows when you'll be debt-free. Skip a month's payment or move it to next month, and see what's left on a partly paid one. SAVE FOR YOUR GOALS Set goals with your own emoji and watch your progress grow. YOUR PAYCHECK, ON SCHEDULE Tell Kob when you get paid, weekly, every two weeks or monthly, and your income is added on payday. Change or skip a single payday, and set a different amount for a month's third paycheck. LOG APPLE PAY PURCHASES AUTOMATICALLY Set up a Shortcuts automation once, and every tap-to-pay purchase is logged with its merchant and a category Kob learns over time. IN ENGLISH OR FRENCH Kob follows your iPhone's language, or pick one for Kob alone in iPhone Settings. PRIVATE BY DESIGN No account. No bank login. No ads or tracking. Your budget is stored on your iPhone, and you can lock Kob with Face ID and back up your data to a file anytime. SUBSCRIPTION Kob is free to try for 2 weeks. After that, subscribe monthly or yearly to keep adding and changing your budget. Without a subscription, Kob is read-only: you can still see and export everything. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://bohioenterprises.com/privacy