Eluna Budget vs Erven

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.

Erven gives you a clear view of your finances: accounts, cards, debts, budgets, and goals—all in a record you manage yourself, without connecting to your bank or sharing passwords with anyone. ACCOUNTS, CARDS, AND CREDIT LIMITS Track your cash accounts, bank accounts, and credit cards. See at a glance your total available balance, the balance in each account, and the remaining credit limit on each card. OBLIGATIONS AND FIXED PAYMENTS Rent, utilities, subscriptions, loan installments: log your fixed payments, and Erven notifies you when they are due, how much you’ve paid, and the remaining balance. If you miss a due date, it keeps reminding you until the payment is up to date. DEBTS AND PERSONAL LOANS Keep track of what you are owed and what you owe to family or friends, including simple or compound interest if applicable. Erven doesn't lend or collect money; it’s simply your clear financial ledger, turned into an app. REPORTS AND PROJECTIONS View expenses by category, compare months, and see a projection of how the month will end based on your income and fixed commitments. GOALS AND BUDGETS Set savings targets and track your progress. Establish spending limits by category and receive alerts as you approach them. SHARED EXPENSES Split expenses with family, a partner, or housemates within a group; everyone sees their share clearly, avoiding confusion. AI RECEIPT SCANNING (OPTIONAL) Snap a photo of a receipt, and the AI ​​extracts the merchant, amount, and date for you. It’s optional—you can always enter everything manually. YOUR DATA, UNDER YOUR CONTROL Erven does not connect to your bank, nor does it move or hold your actual money; everything you see is based on the records you enter yourself. Your data is transmitted in encrypted form, your password is never stored in plain text, and you can delete your account and data at any time directly from the app. SUBSCRIPTIONS Erven offers two auto-renewing monthly subscriptions: - Explorer: US$4.99/month - Queen: US$9.99/month Payment is charged to your iTunes account upon purchase confirmation. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period; you can cancel it at any time via your App Store account settings. The final price may vary by region, as shown in the App Store at the time of purchase. Terms of Use: https://erven.oithink.tech/legal/terms Service Agreement: https://erven.oithink.tech/legal/agreement End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://erven.oithink.tech/legal/privacy