Kumul vs Prosperiu

Kumul is a simple, clean budgeting and savings app that helps you reach big goals through small, consistent savings. Bring together your savings scattered across accounts, cards, and currencies in one place, track your income and expenses with ease, set real goals for yourself, and follow your progress in real time. Now you can also plan your income with the 50/30/20 rule (or your own custom ratios) and see how well you stuck to it at the end of the month. FEATURES Budget Planning (50/30/20) — NEW Enter your monthly income and set your Needs/Wants/Savings ratios using the 50/30/20 rule or fully customize your own. If your salary is fixed, set it up once as "recurring income" and it's applied automatically every month. Income & Expense Tracking Log your spending and income by category, and see your daily/weekly/monthly net position at a glance. Savings Tracker Manage your piggy bank in one screen, and track your savings across different currencies in a single total. Savings Goals Create goals like "New laptop," "Vacation," or "Emergency fund," and see how close you are to reaching them. Shared Expenses Create a shared space with your roommate, partner, or family; join in seconds with an invite code. Collect who spent how much on groceries, bills, or rent in one list, and see all your shared expenses together. Use Settle Up to calculate who owes whom in a single tap and close it out instantly. Detailed Analytics Explore your spending categories with charts, see how your month measured up against your budget plan, analyze shared expenses separately, and review the goals you've completed. Export Export your data as CSV or PDF anytime and build your own archive. Fast & Secure Sign-In Sign in in seconds with your Google or Apple account, no password to manage. Kumul offers a simple, clear, and motivating experience instead of complicated spreadsheets, so you can reach your financial goals. Start with small steps, and reach big goals with Kumul. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Prosperiu is a personal finance tracker that keeps every part of your money in one place. Record what you spend, and see your accounts, credit cards, loans, mortgage, investments, crypto and property on a single screen. No bank connection. You type the numbers, and they stay yours. WHY PEOPLE USE IT • Know what is actually left this month, not what happens to be sitting in the account • Catch an overspend before the month ends, not after • See one honest number for everything you own and everything you owe • Keep your financial life private: nothing is pulled from a bank, so nothing can leak from one CASH FLOW AND BUDGETS • A monthly cash flow that counts what is still scheduled, not only what already moved • A projected balance for any date you pick, with a three month chart behind it • Budgets per category that warn you before the money runs out rather than after • Every figure opens to a full breakdown: which account, which charge, which date ACCOUNTS, LOANS AND PROPERTY • Bank, business, savings, cash and credit cards • Loans and mortgages with a full amortisation table, so you see principal against interest • Pension funds, study funds and physical assets like a flat or a car • Choose which accounts count toward your totals, and the choice is saved INVESTMENTS • A securities and crypto portfolio: holdings, return, and average cost • Live market prices, read only, for information • A net worth chart over time, with a benchmark to compare against ALERTS YOU WRITE YOURSELF • A price move, a gain or a loss on a holding, a low bank balance, spending over a limit, goal progress, or a periodic summary • Written in your own words, turned into a rule you confirm GOALS • A target with a date, and a track that tells you whether you are on pace • Progress that updates from the money you actually record BUILT FOR HEBREW • Full Hebrew right to left, and English • Shekel first, with other currencies converted at today's rate A GUIDE INSIDE THE APP A full walkthrough opens with a few short questions, builds a path that fits you, and then explains every screen in place. Nothing is left to guess. SAPIR IS HER OWN APP On the phone the assistant is not a screen inside Prosperiu. She is a separate app, Sapir by Prosperiu, running on the same account: what you record there appears here, and the other way round. She is downloaded separately from the App Store. A LANGUAGE MODEL, ONLY WHERE YOU ASK FOR IT An alert can be written in your own words, and the app turns the sentence into a rule. That sentence, with the names of your accounts, categories and goals, is sent to a language model from Anthropic, an outside company. Amounts and balances are not sent. Nothing is sent until you agree in Settings, and the consent can be withdrawn there at any time. WHAT PROSPERIU IS NOT Not a bank, not a broker, not a wallet, not an exchange. It moves no money, places no market orders, connects to no bank account, and holds none of your funds or coins. Every number is what you typed. Market prices are read-only, from public market data, and are shown for information only. Nothing in the app is investment advice. YOUR DATA Account deletion lives inside the app, in Settings, and removes your user and all of your data permanently. Your data is encrypted in transit, and your rows are readable only by your own account and by anyone you deliberately invite to your cashflow in Flow sharing, at the permission you choose. The app opens and reads without a connection, from data cached on your device. Start free, and see where your money actually goes. Made in Israel by AfikCraft.