PayNote vs Bolly

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.

Take control of everyday money with Bolly, an AI-powered expense tracker, budget planner, and personal finance companion built for real life. Instead of filling out long forms, tell Bolly what happened: “Lunch $12 on my card” or “Salary received today.” Type naturally or use your voice, review the details, and save the transaction to the right wallet and category. TRACK INCOME AND EXPENSES • Log transactions through AI chat or voice input. • Organize spending with custom categories and notes. • Manage cash, bank accounts, cards, and other wallets in one place. • Transfer money between wallets while keeping balances clear. • Set up recurring transactions for regular income and bills. PLAN A BUDGET THAT FITS YOU • Create budgets for all spending or selected categories. • Choose weekly, monthly, quarterly, yearly, or custom periods. • Set alert thresholds, see what remains, and follow a daily allowance. • Carry unused amounts into the next period when rollover is enabled. UNDERSTAND YOUR MONEY • Explore clear charts for income, expenses, cash flow, and category breakdowns. • Compare periods and review the transactions behind every number. • Ask Bolly AI about your spending patterns and get practical guidance based on the data you record. WORK TOWARD REAL GOALS • Track money you borrowed or lent, including due dates and notes. • Create savings goals and follow your progress. • Join financial challenges that turn better habits into small, achievable steps. STAY ORGANIZED • Enable daily AI reminders and alerts for budgets, debts, and goals. • Sign in with Apple to sync your finance data through Firebase across your devices. • Export your transaction history as a CSV file for Excel or your own records. • Personalize Bolly with multiple themes, currencies, and regional settings. Bolly is useful whether you are starting your first budget, managing several wallets, paying down debt, building an emergency fund, or simply trying to understand where your money goes. Some AI, cloud sync, and premium features may require internet access, an account, or a subscription. Privacy Policy: https://htlabsapp.io.vn/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/