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MoneyCoach is a budgeting app from MoneyCoach UG, an indie studio in Berlin. Log expenses in a few taps, set monthly budgets, keep bills and savings goals in view, and follow your net worth over time. It's native on iPhone, iPad, Mac, Apple Watch and Apple Vision Pro and syncs across them. You don't need to connect a bank, though in Europe you can. Free to try, then a subscription.
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