Why Money Agenda
Most budgeting apps tell you what you spent. That is usually not the problem.
The problem is missing a statement date and rolling into the next cycle. Not knowing which month an instalment plan ends. A domain lapsing quietly. None of that is solved by knowing how much you spent on coffee last month.
Four differences
1. The home screen looks forward
The obligation calendar is the centre of the product. Whatever is due today and in the coming days sits at the top. Charts of last month exist, but in reports - not on the home screen.
2. It knows the Turkish banking calendar
Statement day, due date, billing cycle, minimum payment, BSMV and KKDF. An international budgeting app either lacks these or approximates them. Here they are computed by unit-tested rules, and amounts are held to the kurus with no rounding drift.
3. Renewing digital assets
Domains, hosting, SSL, licences. If you run a site these are real payments, and missing one is expensive to undo. This category is hard to find elsewhere.
4. Your data stays, features do not lock
The app works fully without signing in. Cloud backup is optional. No bank connection, no SMS permission, no AI.
The free version shows an ad strip and Pro removes it - but no feature sits behind payment. A user who never pays still gets the whole product. The distinction is not “ad-free”, it is that not paying costs you nothing in function.
What it deliberately does not do
- No bank connection. There is no open banking integration. You enter the records; in return you share no banking credentials.
- No SMS reading. The permission is not even requested.
- No AI. Every calculation is deterministic and its formula is on screen.
- No investment advice.