Analyse de l'application uRekoin - Smart Budget Tracker pour le 1 août

uRekoin turns your bank notifications into a smart daily budget. Stop entering expenses by hand. uRekoin reads the payment notifications from your bank or wallet, recognizes the merchant and tells you how much you can spend today without overspending by the end of the month. Everything stays on your phone. No account, no cloud, no bank connection, no password to hand over to third parties. 🎯 KEY FEATURES ▸ Dynamic daily budget: enter your salary, fixed expenses and savings goal. uRekoin works out how much you can spend today and recalibrates every day based on what you've already spent. ▸ Fixed expenses and subscriptions: separate handling of obligated expenses (rent, bills) and subscriptions (Netflix, Spotify), with ready-made suggestions and automatic reminders. ▸ Savings goals: give your goals a name (holiday, new car) and keep track of how much you set aside, cycle after cycle. The Parachute keeps count of your emergency fund. ▸ Categories and animated pie charts to see where your money goes. ▸ Full cycle history: browse day by day, edit amounts and dates, delete mistakes. Every change recalculates the budget automatically. ▸ Excel export for personal accounting. ▸ Backup and restore: switch phones without losing your history. ▸ 100% offline and private: no login, no cloud, no trackers. 💼 FREELANCERS AND THE SELF-EMPLOYED Expense management for those without a fixed salary. If you're a freelancer or self-employed with variable income, uRekoin takes your variable earnings into account, shows you how much to set aside for taxes and adapts the budget to what you actually invoice. Other budgeting apps are built only for people on a fixed salary: this one isn't. ⚡ FEATURES YOU WON'T FIND IN OTHER APPS 🔔 Reading European bank notifications. uRekoin intercepts the push notifications from European banking apps directly, without ever accessing your account. 🧠 Merchant recognition that learns from you. When a notification arrives from a new bank, uRekoin shows you the words of the text as buttons: you select the ones in the merchant's name and the app learns the pattern. From then on, recognition is automatic. 🛡️ Anti-duplicate protection. When you pay with a wallet linked to your bank, two notifications arrive for the same expense. uRekoin compares them and records only one. 📉 Amortized unexpected expenses. A surprise €600 expense shouldn't wreck your monthly budget: uRekoin spreads it across the remaining days of the cycle or, in premium, over a period of 1 to 6 months. 📅 Retroactive entry. Log an expense from three days ago: today's budget recalculates taking the right point in the cycle into account. 🪟 Floating confirmation popup. When a payment notification arrives, you confirm the expense with a tap without opening the app. 💎 PREMIUM (optional) Unlimited fixed expenses, categories, reminders and planned expenses • Zero ads • Unlimited cycle history • Unexpected expenses amortizable from 1 to 6 months • Advanced charts and Predictions • Home screen widget • Unlimited Excel export. Many features can also be unlocked for free by watching a short video: no hidden costs. Price: €2.49/month or €23.99/year (2 months free), with a 7-day free trial. 🔒 PRIVACY uRekoin accesses notifications only to read banking ones, filtered against a list of verified financial apps. Your data never leaves your device. The free version shows standard ads: your budget data never leaves your phone. Premium removes ads entirely. uRekoin is exclusively a monitoring and planning tool: it is not connected to banks or accounts, it neither holds nor transfers money and it offers no financial services. Compatible with Google Pay, Revolut, Monzo, Starling, N26, Barclays, HSBC, Santander, Wise, PayPal and 120+ other apps. Available in 5 languages: Italian, English, French, German, Spanish.