Payday vs Zero

Payday - Global Money Tracker Different currencies. Different paydays. One clear view of your money. Payday helps you manage income and expenses across currencies. Track what comes in, what goes out, and what’s left. All with an interactive globe that brings your income to life. From international client payments to your regular salary and side gigs, keep your money in view without keeping up with another spreadsheet. YOUR INCOME. ALL TOGETHER. Different sources don’t have to mean scattered records. • Track client payments, salaries, project income, and platform payouts. • Reuse saved clients to make adding payments faster. • Review your income by source and month. • Keep recent payments easy to find. KNOW WHAT’S LEFT Getting paid is only part of the picture. Track what goes out, too. • Log work tools, software, supplies, and daily spending. • Sort expenses by category. • Compare your income and expenses. • See what’s left after the expenses you’ve logged. DIFFERENT CURRENCIES. ONE CLEAR VIEW. Earn in one currency and spend in another? Keep your entries’ original amounts and currencies while viewing estimated totals in your chosen home currency. Currency conversions use European Central Bank reference rates. Payday tracks your money—it doesn’t hold, send, or exchange it. PUT YOUR INCOME ON THE MAP See where each payday begins. Add countries to your income sources and explore where your payments come from on an interactive globe. Whether your income comes from close to home or across the world, bring it into one view. SEE THE BIGGER PICTURE Turn everyday records into a clearer picture of your money. • Review income and expenses with reports and pie charts. • Filter by month or year. • Export your records to CSV for your own spreadsheets or to share with your accountant. LESS TYPING. MORE TRACKING. Spend less time entering numbers and more time doing your thing. • Add income and expenses manually. • Import multiple entries from CSV. • Scan receipts, invoices, or statement screenshots. • Speak an income or expense entry with dictation. On supported devices, Apple Intelligence helps turn scans and spoken details into entries. Processing happens on your device, and you can check the details before saving. MAKE YOUR GLOBE YOURS Pick a globe that feels like you. Choose Monochrome, Champagne Gold, or Blue Earth, or explore playful designs like Voxel Earth, Matcha Mochi, and Moon Mallow. CELEBRATE EVERY PAYDAY You did the work. Take the win. Add your income and watch your globe light up with animated routes and colorful fireworks. A little celebration for every payday. ONE PAYMENT. YOUR EVERYDAY TRACKER. Download Payday for free and explore it with read-only demo data. Unlock Payday Pro with a one-time purchase to add income and expenses and use the full tracking features. No subscription. Premium globe designs are sold separately as optional one-time purchases. Already bought Payday as a paid app? Your previous purchase unlocks the core tracking features at no extra cost. Use Restore to recover your access. YOUR RECORDS. ON YOUR DEVICE. No Payday account required. Your income and expense records stay on your device, and everyday tracking works offline. Internet access is needed for purchases, restoring access, and refreshing exchange rates. Optional advertising measurement does not include your income or expense records. Your money. Your world. Your Payday. IMPORTANT: Apple Intelligence features require a supported device with Apple Intelligence enabled and available in a supported language. Terms: https://payday.josieai.com/terms.html Privacy: https://payday.josieai.com/privacy.html

A finance tracker that understands everyday language. Type what you spent, earned or paid, and see your money come together—from daily expenses to your full net worth. LOG IT LIKE YOU’D SAY IT Type “coffee 180 gcash” or “grab 250 yesterday”. Zero picks out the amount, category, account and date, then lets you review the entry before saving. Scan a receipt or choose a photo to fill in the details. For quicker access, start an entry from a widget, Control Center or Shortcuts. ASK YOUR MONEY “How much did I spend on food last month?” Get a clear answer from your own records, with the entries behind it. No digging through transactions or adding things up yourself. ALL YOUR ACCOUNTS, TOGETHER Track cash, banks, e-wallets, credit cards, loans, investments and assets in any currency. Recognizable bank logos and card designs make accounts easy to find, while your net worth brings the bigger picture into view. KNOW WHAT’S AHEAD • Monthly and weekly budgets with carryover and a daily spending allowance • Bills, paydays and recurring entries, with reminders before they’re due • Savings goals with estimated completion dates • Installment plans, repayments and money owed in either direction • A balance forecast to help you plan beyond today SEE WHERE IT WENT Understand your spending with category breakdowns, income, savings and comparisons over time. Share a report as a PDF or export your entries to CSV. MAKE IT YOURS Choose a color theme, pick an app icon and arrange your Home screen around what matters to you. Enjoy Zero in light or dark mode. PRIVATE BY DESIGN • No sign-up, ads or tracking • Works offline, with your records stored on your device • Optional sync through your own iCloud • Face ID or Touch ID protection • Hide your amounts with a tap BUY ONCE. KEEP IT ALL.