Sedge vs Capventory

Your whole net worth, in every currency you hold — without handing your financial life to anyone. Sedge is a net-worth and spending tracker built for Europe. Add accounts by hand, import a statement, and see one honest number across EUR, GBP, CHF and more. ON YOUR DEVICE, NOT OURS There is no account to create and no server to trust. Everything you enter stays in encrypted storage on your iPhone, unreadable while it's locked. We have no ability to see your balances, because they never reach us. No analytics, no advertising, no third-party SDKs of any kind. MULTI-CURRENCY THAT ACTUALLY WORKS Hold accounts in euro, sterling, francs, krona, zloty and more. Sedge converts everything at the European Central Bank's daily reference rates — the same rates your bank quotes against — so your net worth is right, not roughly right. Rates are cached, so the number is still correct offline. IMPORT A STATEMENT IN SECONDS Bring in CSV exports or PDF statements from EU banks. Sedge reads the file on your device, maps the columns itself, and checks that the transactions add up to the closing balance before importing a single row. If the numbers don't reconcile, it says so instead of guessing. Import the same file twice and nothing is duplicated. CATEGORIES WITHOUT THE BUSYWORK Merchants are categorised offline using simple rules — no AI, no cloud, no waiting. Anything Sedge isn't sure about goes to a review card, so you stay in control of what counts as what. SEARCH AND FILTER YOUR HISTORY Find any transaction by name, account or category. Days are grouped and totalled, so you can see what a Tuesday actually cost you. LOCK IT DOWN Require Face ID, Touch ID or your passcode before your balances appear. TAKE YOUR DATA WITH YOU Export everything as CSV for a spreadsheet, or as a full JSON backup, whenever you like. It's your data, so you can always leave with it. SPEAKS YOUR LANGUAGE English, German, French, Spanish, Italian, Dutch, Polish and Portuguese — with amounts and dates in your local format. Change language in Settings without leaving the app. READ-ONLY, ALWAYS Sedge can never move your money. It has no payment capability of any kind, by design. Free. No subscription, no ads, no tracking, no analytics.

Capventory is a private journal of your net worth. Everything you own and everything you owe — bank accounts, cash, deposits, gold, a flat, a car, a mortgage — in one figure you update in minutes. • Manual: you record what a thing is worth today, not every transaction. • Complete: 19 kinds of asset and liability, 63 currencies, one total. • Private: no account, no bank connections, nothing leaves your phone. • Yours: a backup file and a spreadsheet export that open anywhere. • Free: no ads, no subscription, nothing to buy inside. HOW IT WORKS Add a position for every asset worth remembering, and save what it is worth on a chosen day. Several positions can be updated at once under one date — that is the whole ritual, and it takes a few minutes a month. Capventory converts every currency into the one you chose as your main one, and shows your assets, your debts, your net worth, and how they changed. WHY THERE ARE NO TRANSACTIONS You are never asked for trades, purchase prices or receipts. Each position asks one question: what is it worth now. That is what keeps updating your assets this fast. WHAT YOU GET • Assets and liabilities in one net worth, shown in any of 63 currencies • 19 kinds of position: accounts, cash, deposits, investments, brokerage, bonds, crypto, precious metals, collectibles, jewellery, property, vehicles, business, cards, loans, mortgages, private debt • Exchange rates for the day you chose, with their source shown — or entered by hand • The history of your capital and of every position, with corrections to the past • Structure by category, by currency, and by a label you invent yourself • An optional expected annual rate, and an optional inflation adjustment that changes labels only and never your figures • Several portfolios, each with its own currency and history • A backup file, and a spreadsheet that opens in Numbers, Excel or Google Sheets • Face ID lock and update reminders HONEST DATA When no rate was published for a day, Capventory says the total is partial and names what is missing. It will not carry yesterday's rate forward to make a figure look complete. WHAT IT DOES NOT DO No bank connections, no statements, no reading of your messages. No transactions, budgets or spending categories. No market quotes for property, cars or crypto — those values are yours to set. No account, no cloud, no ads, and nothing to buy inside. Questions and requests: support@capventory.com Privacy: https://capventory.com/privacy