Tick vs Zarflo

Tick is an expense tracker built around one number: five seconds. That is how long it should take to open the app, log what you just spent, and put the phone back in your pocket. FAST BY DESIGN Type an amount, tap save. Everything else - place, category, note, tags, a photo of the receipt - is optional and can be added later. A template fills in the category, the place and the currency, and a home screen shortcut opens straight into a new expense. READY FOR DAILY LIFE Forty-three categories are switched on the first time you open Tick. Groceries, Pharmacy, Fuel, Car Repair & Service, Rent, Electricity, Office Rent, Office Bills, Public Transit, Travel & Hotel, Taxes and more are there the moment you install. Another thirty-three wait in the list switched off, seventy-six across eleven groups in all. Add your own, and hide the ones you never use. MULTIPLE CURRENCIES, DONE PROPERLY Log in any currency. Rates for thirty currencies come from the European Central Bank's daily reference feed and are frozen onto each expense at the moment you save it, so last year's report never changes because a rate moved this morning. Using a currency outside those thirty? Type the rate in yourself - the app will not guess one. WORKS OFFLINE, WITH NO SIGNAL Everything is stored on the phone first and syncs when there is a connection. A plane, a basement, a bad line - none of it stops you logging an expense. REPORTS THAT ANSWER A QUESTION Narrow the expense list by date, category, currency or amount, or search it by place and note. Then see where the money went by category, by place, or over time. WHAT YOU CAN TAKE OUT Export to CSV for a spreadsheet, or to PDF for something you can send or file. Export from a report and the date range you are looking at comes with it; export from Settings and everything does. Your data leaves in a format you can open without Tick. WHO IT IS FOR People who hold more than one currency and are tired of a tracker that quietly rewrites last month when a rate moves. People who log what they spend where there is no signal. People who want the entry typed, not imported. MANUAL ENTRY, NO BANK SYNC Tick does not connect to your bank. No account linking, no transaction import, no receipt scanning that reads your card number. It has no approval workflows and no team accounts. Every expense in Tick is there because you typed it. SUBSCRIPTION Tick Pro Monthly - 1 month - USD 2.99 Tick Pro Yearly - 1 year - USD 19.99 Other regions are charged the store's local equivalent. The first 14 days are free and ask for no card. After that, adding new expenses needs a subscription. Viewing, reporting and exporting keep working without one, permanently - your records stay yours whether you subscribe or not. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://tickexpense.com/privacy The app interface is in English and Turkish.

Zarflo is the envelope budget that runs on your payday. Rent, groceries, bills, fun… every expense has an envelope, and you always see how much you can safely spend today. WHY ZARFLO? • Safe to spend today: one number with bills, card installments and goals already taken out • Cycle forecast: where this pace leaves you at the end of the period • A budget cycle that follows your payday; leftovers roll over • Scan receipts and bills: snap a photo and the amount, date and store fill in. The photo never leaves your phone • Together: split costs on trips, with flatmates or for a birthday — equally, by shares or by amount — and see who owes whom. Your share goes straight into your own budget • Credit cards and installments: see the months ahead before they hit • Exchange rates and gold at a glance • Cycle report: where your money went and what changed since last time • Goals, streaks and bill reminders • Edit a transaction, split it across envelopes, keep unlimited history • Syncs across your devices; sign in with email, Apple or Google PRIVACY No ads, no ad tracking, no bank passwords. Your data is never sold. ZARFLO PLUS Budgeting itself is unlimited and free. Plus adds: • AI receipt reading — 3 free readings a month, then fair use on Plus • Detailed reports for cycles older than 92 days; 6- and 12-cycle trends and a Year view • Smart alerts: an envelope hitting 80%, unusual spending, a balance dropping fast • Subscription tracking: yearly cost, next charge and a price-rise flag • Share the cycle report as a PDF • Color themes, alternate app icons and a custom envelope color Weekly, monthly and yearly plans, with a 7-day free trial on the yearly plan. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in your App Store account settings. Terms of Use: https://zarflo.app/en/terms Privacy Policy: https://zarflo.app/en/privacy Exchange rate and gold prices are for information only, not investment advice.