NetVarlık vs Zarflo

Cash, currencies, gold, shares, investment funds, crypto, pensions, term deposits, your home and your car — all on one screen, as your real net worth after debts. PRICES UPDATE THEMSELVES • Exchange rates and gold the way it is actually traded in Turkey: by the gram and by the coin • Borsa İstanbul shares • Close to 1,400 Turkish investment and pension funds • 165 cryptocurrencies • Commodities: oil, natural gas, copper, aluminium, steel, grains and food You only enter how much you hold; the app works out what it is worth. REAL ACCOUNTING • Profit and loss using FIFO, LIFO or average cost • Buys, sells, transfers, dividends, coupons, interest, state contributions and splits • Realized and unrealized gains kept apart • Several portfolios: yours and your family's never mix DEBTS, GOALS, RECURRING ENTRIES • Loans, credit cards and money owed to people are deducted from net worth • A reminder before each payment is due • Set a goal and see what it takes each month • Define a salary, rent or regular purchase once and let it record itself IT STAYS YOURS • No account, no email required • No ads, no analytics, no tracking • Your records stay on your phone and can be locked with Face ID • A backup file and CSV export are always yours to take FREE Record keeping, live prices, Borsa İstanbul, Turkish funds, crypto, gold and commodities, price alerts, debts, goals, recurring entries, Home Screen and Lock Screen widgets, backups and the portfolio review. NETVARLIK PRO • iCloud sync across your devices • Foreign exchanges and world indices • Monthly progress: the share of savings, exchange rates, markets and debt, plus real return after inflation • Chat with the assistant about your allocation and risk • Instant price alerts delivered within minutes, even when the app is closed • Yearly profit and loss report as a PDF The subscription is 79.99 TRY monthly or 599.99 TRY yearly. Payment is charged to your Apple Account on confirmation of purchase. It renews automatically unless turned off at least 24 hours before the period ends. You can manage or cancel it in Settings. Privacy policy: https://varlik-defteri-relay.yigitcpolat.workers.dev/privacy Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ NetVarlık does not give investment advice. Every figure is calculated from the records you enter and from public prices.

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.