Amounta vs Kopiyka Budget

Amounta is the simplest way to see where your money goes, stay on budget, and grow your net worth — all in a beautifully clean, private app that works across iPhone, iPad, Apple Watch, and Mac. Log an expense in seconds and Amounta turns it into clear budgets, reports, and insights. TRACK EVERYTHING, EFFORTLESSLY • Add expenses and income in seconds — category, account, payment method, tags, and notes on one clean screen • Duplicate any expense with a swipe for repeat purchases, or use Duplicate & Edit to tweak the copy first • Split a single purchase across multiple categories (groceries + household, done) • Scan a receipt and let on-device text recognition fill in the details for you • Multiple accounts and transfers, so every balance stays accurate • Multi-currency — enter in any currency with automatic conversion, and keep accounts in their own currency BUDGETS THAT KEEP YOU HONEST • Set a monthly limit per category and watch your progress at a glance • See exactly what's left before you overspend • A spending heatmap that shows your busiest days SEE THE FULL PICTURE • A Dashboard that swipes between net worth, loans, and monthly commitments • Tap any chart to drill into the days and categories behind it • Net Worth tracking and projection across all your accounts, in every currency you hold • Beautiful reports — weekly, monthly, yearly, or custom ranges, for all accounts or just one • Income vs. expenses, savings rate, and category comparisons • Spending by category in a clear, tappable chart • Year in Review to relive your financial year — and share it as an image SMART, NOT NOISY • Smart Insights spot unusual spending, price hikes, and trends • Auto-Categorization applies your rules to new transactions automatically • Monthly Commitments — subscriptions, SIPs, and recurring bills in one monthly total • Recurring bills and subscription detection so renewals never surprise you MORE THAN AN EXPENSE TRACKER • Savings Goals — set targets and watch each one fill up • Loans & Debt — track money borrowed or lent, with full amortization schedules and reminders • Trips — group a trip's spending, set a budget, and see what you spent in both currencies WORKS EVERYWHERE YOU DO • Apple Watch app for quick-add on the go • Home Screen and Lock Screen widgets, plus a Control Center control • Add expenses and income hands-free with Siri and Shortcuts — pick the account and payment method, even in foreign currencies • Find anything instantly through Spotlight • iCloud sync keeps every device up to date PRIVATE BY DESIGN • Your data lives on your device and your iCloud — no accounts, no ads, no selling your data • Lock the app with Face ID or Touch ID • Import statements, export CSV, and keep encrypted backups you control MAKE IT YOURS • Custom categories, icons, and tags • Set your currency, language, financial year, and appearance • Available in 30+ languages, with full light and dark mode Download Amounta and start tracking every penny today. Amounta Pro unlocks receipt scanning, Smart Insights, advanced reports, net worth, recurring & subscriptions, savings goals, loans, trips, auto-categorization, backups, app lock, multiple accounts, multi-currency, and unlimited categories. Amounta Pro is an auto-renewable subscription billed yearly. Payment is charged to your Apple ID at confirmation of purchase. It renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours prior to the end of the period. Any unused portion of a free trial is forfeited when you buy a subscription. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appsbybarani.com/privacy-policy.html

Kopiyka Budget keeps your money on your phone. No account, no server, no ads, no trackers, no subscription. It is free now and it stays free. Everything you enter belongs to you: export the lot as CSV, as a full JSON backup, or as one ZIP that carries your receipt photos with it. A copy is written to your own iCloud Drive every day, and you can restore from it whenever you want. Logging is meant to take two taps. The entry sheet opens on a calculator keypad: type the amount, with Category and Tags on the keys beside it, then one tap to add. The same keypad is on your Apple Watch, and Siri can add an entry without opening the app. WHAT IS IN IT - Budgets for a category, a folder, a tag or for everything, in a month that starts on your payday rather than on the 1st. - Several accounts in several currencies (cash, bank, card, savings, investment), with net worth and transfers. Exchange rates come from the European Central Bank, kept day by day, so an old transfer still converts correctly. - Recurring payments: a subscription posts itself on the day and tells you it did, while the ones whose amount moves around wait for your tap. Kopiyka also spots repeats in your history and offers to make rules from them. - Categories inside folders, each with its own icon and colour, and tags that can be limited to the categories they make sense for. - Insights you pick yourself: free to spend, days until salary, savings goals, a payments checklist, subscriptions per year, upcoming payments. - Trips & Events: name a trip or an event (a birthday, a wedding), give it a budget and its days, and every new expense is tagged and counted against it, in whatever currency you spend, and kept out of your monthly budgets. - Debts, so you know who owes whom, with a reminder before the due date. - A category suggested from where you are: buy coffee at the same place twice and the third time it is filled in. Your location never leaves the phone. - Receipt photos on any entry, backed up beside your data. - An Apple Watch app with the keypad, today's entries and your budgets: approve pending payments, add a note by voice, and start from a complication or a Control Center control. - In English and Ukrainian. BANK NOTIFICATIONS (BETA) iOS never hands card transactions to an app. What it does allow is a Shortcuts automation: when your bank notifies you about a payment, it passes the notification to Kopiyka, which reads the amount, the shop, the card and the time out of the text on the device, silently, with the app closed. The entry waits in Pending until you approve it, on the phone or on your watch, and what the bank said stays beside it, apart from your own note. Settings walks you through the setup once. Kopiyka is open source. No analytics, no trackers, no third-party SDKs: nothing is collected and nothing is sent anywhere. Kopiyka is a record-keeping tool, not financial, tax or investment advice.