PockIQ vs PayNote

Who spent this month's paycheck? AIChiTieu turns one line of text into a clean expense record. Type "coffee 4.5", "grab 12" or "salary 1500" — AI fills in the amount, category and date. No signal? Keep logging offline; everything syncs to your account when you're back online. LOG IN SECONDS Chat with AI, speak your expense, snap a photo of a receipt, or enter it by hand. Supports USD, EUR and VND. DASHBOARD See today's spending, what's left in your budgets, and get alerts before you go over a limit. EVENTS Group spending for a trip, a wedding or a party into one event, track the live total, and share a recap card. REPORTS Break down spending by category and over time. Export CSV with Premium. NET WORTH Track assets, debts and loans — see your net worth in one place. AI in this app only helps you record and review your money. It is not licensed financial, investment, tax or legal advice. FREE Expense logging, basic reports, 20 AI entries per day, up to 5 category budgets, 3 months of history. AIChiTieu PREMIUM • Faster AI responses (dedicated AI pool, no peak-hour queue) • Unlimited category budgets • Wealth Intelligence (timeline, goals, AI advisor, debt payoff plan) • CSV report export • 12 months of history • Unlimited AI entries (Free: 20 per day) Auto-renewing subscriptions: • Premium Monthly • Premium Annual Prices vary by country and are shown in the App Store before you purchase. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel subscriptions in your Account Settings after purchase. Terms of Use: https://pockiq.com/terms Privacy Policy: https://pockiq.com/privacy

Tap. Pick. Done. PayNote is a personal expense book that stays on your phone. Open the app, type the amount on the number pad, tap a category tile — and the expense is in your book, on the right day, under the right heading, for the right amount. A few seconds, and nothing is required except the amount. Nothing to remember and enter tonight. No spreadsheet to open. EVERYTHING STAYS ON YOUR PHONE PayNote works fully offline. No sign-up, no login, no account, no server holding your spending history. It never asks to read your messages, never reads bank notifications, and is connected to no bank or e-wallet — so nobody, us included, can see your account. To move to a new phone or keep a spare copy, export a backup file to iCloud Drive or anywhere you like. The file is encrypted and can carry a password, so a copy that ends up in someone else's hands is unreadable. QUICK ENTRY • Add income and Add expense right on the home screen and on the home-screen widget • A dedicated number keypad with a 000 key, built for one thumb • 15 default categories with icons; rename them, change the icon, add your own • Made a mistake? Edit the entry — the app keeps a history of the change • A daily reminder at the time you choose, scheduled entirely on the phone AN EXPENSE BOOK THAT STAYS SIMPLE • The home screen shows this month's income, spending and balance, with recent entries • Monthly statistics: spending by category, income against spending, one tap to switch months • Spending limits for the month and for each category, with a warning before you go over • Several wallets — cash, bank, e-wallet — each with its own balance • 20 currencies: VND, USD, JPY, EUR… one per wallet, switched right on the home screen • Search your history, accent-insensitive • Vietnamese, English and Japanese interface, amounts formatted the way each language reads them BASIC AND PRO PayNote has no ads, in the free version and the paid one alike. Basic is free and is a complete expense book: unlimited entries, categories, history, monthly statistics, budgets including per-category limits, the widget, the daily reminder, 2 wallets, and CSV export that opens in Numbers or Excel. PayNote PRO is a one-time purchase, yours forever — not a subscription, nothing auto-renews. PRO adds unlimited wallets so cash and each bank keep their own balance, month-on-month and six-month trend reports, password-protected encrypted backup and full restore, and categorisation that learns from what you log. A 7-day trial is included, no card required.