Analyse de l'application Halo - Budget & Bills Tracker pour le 5 octobre

Halo – Your Personal Budget and Bills Tracker Take control of your money, all in one place. Halo gives you a clear, real-time picture of your net worth — bank accounts, investments, loans and credit cards together. AUTOMATIC EXPENSE LOGGING WITH APPLE PAY Tap to Pay with your iPhone and Halo writes the expense down for you: amount, merchant and card, logged the moment you tap. A guided two-minute setup, each card links just once, and every payment after that is recorded automatically — to your credit card, debit card or e-wallet. ASSETS AND SAVINGS Add all your bank accounts and customize them with logos and colors. Watch your net worth grow with daily snapshots, a balance trend chart and a live change indicator. Track savings goals with Halo rings or as a to-do list. INVESTMENTS See real-time prices for US stocks and crypto, add non-US stocks with manual prices, and track all-time gain/loss, today's movement and your full position history. Share your progress with beautiful portfolio cards. EXPENSES Log expenses by category and see exactly where your money goes. Pay from an account or charge to a credit card and balances update automatically. Set budget caps per category. A calendar view shows daily spending plus money in and out of your accounts. BILLS AND SUBSCRIPTIONS Recurring bills with flexible schedules and optional end dates. Alerts when something is overdue or due soon, one-tap "mark as paid" from any account or card, and reminders a week ahead, the day before and on the day. CREDIT CARDS AND LOANS Track card balances, utilization and billing cycles alongside loans and mortgages. Set a due day on any loan and Halo reminds you before it — and skips the month once you've paid. Payments reflect instantly across accounts and net worth. TRIPS AND GROUP EXPENSES Create a trip to group expenses and bill splits. Set the trip's currency and everything logged during it — including Apple Pay payments — is recorded in that currency and filed under the trip. See the full spend, who owes what, and share a clean summary card to your group chat. MULTI-CURRENCY, DONE RIGHT PHP-first with support for USD, EUR, GBP, JPY, KRW, CNY, HKD, TWD, SGD, MYR, IDR, THB, VND, BND, INR, AUD, NZD, CAD, MXN, NIO, CRC, PLN, AED, SAR, QAR, KWD, BHD, OMR and LBP. Switch your base currency anytime and every number recalculates. Transferring between currencies? Enter the rate your bank actually gave you and Halo keeps it. MORE - A home screen widget with today's net worth change, updated every 30 minutes — mark bills paid without opening the app. - Log expenses, deposits and bill payments by voice or with the Shortcuts app. - Full backup and restore on any device. Halo checks your data's health automatically and can repair issues with one tap, keeping a safety copy first. AVAILABLE IN 11 LANGUAGES English, Spanish, French, German, Italian, Portuguese, Japanese, Korean, Traditional Chinese, Indonesian and Malay — every screen, reminder and guide. Halo follows your iPhone's language, or pick one just for Halo in Settings › Apps › Halo › Language. YOUR DATA STAYS ON YOUR DEVICE Everything is stored locally. No account required, no data uploaded to any server, no ads. Your finances are yours. Halo is built for personal use. It is not a bank and does not connect to financial institutions — just a clean tool to help you stay on top of your money.