Dot vs Creso

Dot is your financial assistant for recording expenses and income in a simple conversation. Track your wallet and reserve, set a monthly spending limit, organize categories, and view reports in one place. Use chat to ask questions, receive guidance, and follow your decisions. Scan products to create a Wishlist and check prices when you want to find a good offer. Turn on notifications for important updates. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Will your money last the month? Creso answers on the first screen: what you have, what's still due and how fast you're spending — so you know what's left before you spend it. No bank to connect, no account to create, no ads. Answer two questions and you're already logging your first coffee. FREE — AND NOT A TRIAL • Log expenses, income and transfers in two taps • Budgets that show what's LEFT, not what you've spent • End-of-month forecast: what you have, plus what's due, minus how fast you spend • Fixed costs, found automatically: everything that charges you every month, totalled by the year, with price rises flagged. $13.99 a month is invisible; $167.88 a year is a decision • Net worth across every account, debts included • Debts both ways: what you owe and what you're owed — even the ones you only jot down as a reminder. Split a bill any number of ways in one tap • Savings, mortgage and loan calculators, with 40 years of real market returns to test your assumptions • Import a CSV, or paste your bank statement straight from a PDF or an email • Receipt photos, and four themes — including true AMOLED black and Glass • A full backup you can export and keep — always free. If you ever leave, you leave with everything CRESO PRO • Investment tracking, with your real return — overall and year by year • Accounts in other currencies, with daily exchange rates • A one-page monthly PDF report for your accountant • Your whole year told in plain sentences, and a forecast to December • Shared goals that several people fill from their own phones • Automatic backups, Face ID lock, export to Excel and CSV • Custom icons and colors • Unlimited budgets, goals, scheduled payments, accounts and categories Monthly or yearly. Cancel anytime in your Apple Account settings. PRIVACY, PLAINLY No account and no servers: your ledger is a file on your phone, and the app sends nothing about you. It makes two optional connections: it downloads the European Central Bank's public exchange-rate table if you hold another currency and — only if you add your own market-data key — it fetches quotes straight from that provider. Both can be turned off. No ads. Not in the free plan, not ever. Made in Providence by economists, investors and mathematicians. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://providencehq.es/en/creso/privacy/