PayNote vs Sổ Thu Chi

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.

Log spending in seconds and see clearly where your money goes. Sổ Thu Chi lets you record daily income and expenses fast, check your calendar and reports instantly, set budgets per category and manage shared spending with your family. Your data stays on your iPhone. Works without an account or internet. No bank linking, no reading your messages, no monthly subscription. HIGHLIGHTS ---------------- • Quick typing the Vietnamese way: "cà phê 45k, taxi 1tr2" becomes separate entries • Receipt scanning: take a photo, the app fills in the amount and date • Number pad with built-in + − × ÷ • Daily income and expense calendar, search, undo after an accidental delete • Home Screen and Lock Screen widgets: month calendar, month totals, quick add • Monthly, yearly and all-time reports with saving tips • Category budgets with alerts at the threshold you choose • Multiple wallets, transfers between wallets, saving goals • Recurring income and expenses, logged automatically or confirmed by you • Shared family book that splits shared expenses evenly (creating a book needs Pro) • Sync across devices with Apple or email sign-in (Pro) • Lock the app with Face ID, Touch ID or a passcode • Free backup, restore and CSV export • Light and dark themes, Vietnamese and English WHAT MAKES IT DIFFERENT ---------------- • Understands how Vietnamese people talk about money: 45k, 1tr2, 2 triệu, 500 nghìn. • Type entries by hand in seconds, or scan a receipt when that is easier. • A truly shared book (Pro): the whole family logs into one book, and the app works out each person's share and who has paid. • Sync across iPhones (Pro) without relying on iCloud. • Pro is a one-time purchase. No subscription. FEATURES IN DETAIL ---------------- [ Entry ] Tap a large category, enter the amount on a calculator keypad, pick a wallet, date and note. The quick-entry box takes several items in one sentence and guesses the category. Undo a delete with one tap. [ Receipt scanning ] Photograph a receipt or pick one from your library. The app reads the total and date on your device and fills them in for you to check. [ Calendar ] Daily totals on every day. Tap a day for details, swipe to delete, search by note, category or wallet. [ Reports ] Income, expenses and net cash flow by month or year, a category pie chart and tips on where to cut back. Plus yearly, per-category and all-time reports and a 12-month balance trend. [ Budgets ] Set a limit per category and an alert threshold (for example 80%). The app warns you before you go over and never blocks you from logging. [ Wallets, goals, recurring entries ] Cash, bank accounts, e-wallets and credit cards, each with its own balance; transfers are not counted as income or expense. Create saving goals and contribute over time. Rent, salary and subscriptions are set up once and logged on the right day, or the app asks you to confirm. [ Shared family book ] Create a shared book (Pro) and invite family with a code or QR (up to 5 members). Everyone logs and sees the same book; shared expenses are split evenly and the app shows who has paid what. Invited members do not need Pro. [ Privacy & security ] Your data lives on your device. Lock the app with Face ID, Touch ID or a passcode. Sign-in is optional; when sync is on, data travels over an encrypted connection. [ Backup & export ] Back up to a file and restore when you change phones. CSV export is free; Pro exports Excel with monthly and category summaries, plus PDF reports. SỔ THU CHI PRO (pay once, use forever) ---------------- The free version includes entry, receipt scanning, calendar, reports and budgets, with one small banner ad. Pro adds: • No ads • Sync across devices • Shared books • Excel and PDF export Sync, shared books and Excel/PDF export require signing in with Apple or email. Terms of use (Vietnamese): https://sothuchi.site/terms.html Privacy policy: https://sothuchi.site/privacy-en.html Support: huyphuongk57ktb@gmail.com