Skurda vs Cèntim

Subscriptions, utility bills, rent, insurance, taxes, loan payments — and now everything you spend day to day, too. The expenses that come back every month are the ones that weigh most on your budget; the daily ones are the easiest to lose track of. Skurda keeps them all in one place. Add a recurring expense once and say how often it repeats. From then on the app does the rest: it works out every future due date, tells you what it costs per month and per year, and warns you before each payment. DAILY EXPENSES, FOUR WAYS TO LOG THEM • Automatically when you pay with your phone or, from iOS 27, from your bank's or card's payment notifications: an automation you set up once, in one tap on iOS 27 (your first 5 payments are free) • By snapping a photo of the receipt: store, amount and date fill themselves in, and the photo is never saved anywhere • From a screenshot: take it, share it with Skurda, and the expense is already filled in • By hand, in a few seconds BUDGET AND GOALS Set a monthly budget and Home shows how much you have left, or how far over you went. With goals you save up for a trip or your car insurance: at the start of each month Skurda asks whether to set aside what's left over. And if you pay some expenses from a joint account, you see how much comes out of it and how much out of yours. WHAT YOU GET • Flexible recurrences: daily, weekly, monthly or yearly, with custom intervals (every 2 months, every 3 weeks, every 6 months) • Monthly and yearly totals always in view • A calendar of upcoming due dates, month by month • Charts by category and trends over time, so you can see where your money goes • Built-in categories you can edit or delete, or your own with custom colors and icons — learned automatically from the merchant name when you pay by phone • Pause an expense without deleting it, and keep a history of amounts for variable bills like electricity and gas • A catalog of the most common expenses: pick yours with a tap on first launch, no typing needed REMINDERS YOU WON'T MISS Choose how many days ahead you want to be reminded, globally or expense by expense, and at what time of day. Straight from the notification you can snooze by three hours, by a day, or until next week. Reminders are free for everyone. WHERE YOU CAN SAVE Skurda looks at your expenses and points out real opportunities: overlapping streaming services, duplicate subscriptions, price increases compared with previous months, monthly subscriptions that would cost less paid yearly, and expenses you paused in the app but are probably still being charged for, because pausing here doesn't cancel anything with the provider. ALWAYS WITHIN REACH Home Screen widgets show your next expense due, what you've spent today and what's left of your budget. With Siri you can add a recurring or daily expense just by speaking, without opening the app. YOUR DATA STAYS YOURS No account required, no bank connection, no ads. Your data lives on your iPhone and syncs only to your own private iCloud. Receipts are read on your phone and never saved anywhere. SKURDA PRO The free version includes everything essential for recurring expenses, up to 10, plus up to 20 everyday expenses a month, by hand or from a receipt, the monthly budget and one goal. Your first 5 phone payments log themselves even without Pro, so you can try the automation. Skurda Pro unlocks unlimited recurring expenses, unlimited everyday expenses, automatically when you pay with your phone or from a screenshot, more goals, travel mode that converts payments made abroad, the annual savings report, and import and export in Excel and CSV. Privacy Policy: https://dontknowif.github.io/spese-ricorrenti/privacy.html Terms of Use: https://dontknowif.github.io/spese-ricorrenti/terms.html

Cèntim is a private expense tracker built for iPhone. Capture what you spend, review it when it suits you, and understand your month without handing your financial life to another server. Activate a full 7-day free trial through the App Store when you are ready. To keep adding and changing expenses afterwards, unlock lifetime access with a one-time purchase at the price shown in your App Store. No subscription, renewal, or automatic charge. Activation, purchases, and restoring purchases need an Apple connection; your expense data stays local. Without lifetime access after the trial, you can still browse your history, trips and widgets, export CSV files and backups, recover deleted expenses, delete trips or reset data, use privacy/settings, and restore purchases. Adding, editing, confirming or splitting expenses, creating or editing trips, changing trip assignments, new Wallet/Shortcuts captures, importing data or restoring backups, and changing budgets or categories require active access. See your monthly total, daily spending, category breakdowns, month-over-month changes, and progress towards a monthly target in one clear view. Create trips to group expenses automatically by date, with manual exceptions and separate totals for every currency. Add expenses with the fast built-in calculator, or optionally create a personal Apple Wallet automation in Shortcuts. Cèntim receives only the fields you choose and cannot read Wallet directly or connect to your bank. Features: - Monthly targets and daily spending pace - Category and merchant insights - Trips with automatic date grouping - Search, filters, and a focused review queue - Shared purchase calculations - Revision history and recovery of deleted expenses - CSV export for transactions and edits - Optional app lock with Face ID or device passcode - Local notifications - Private monthly Home Screen and Lock Screen widgets No account. No expense-data backend. No ads. No analytics. No tracking. Cèntim stores expense data locally; iOS may include it in device backups, and exporting creates a copy you control.