Skwad processes your emails on their servers. Chortke processes everything on your device. No servers, no cloud, no compromise.
Try Chortke Free$1.99/month or $9.99/year
$4.99/month or $39.99/year
Skwad is a privacy-focused budgeting app that syncs transactions through email alerts. You forward bank notification emails to Skwad, and they process them on their servers. They also offer optional Plaid bank connections and collaborative features for couples.
Forwarding bank emails to a third-party service means your transaction data still passes through external servers.
Skwad requires you to forward bank alert emails to their servers for processing. Your transaction details, merchant names, and amounts are stored and processed on their infrastructure - not yours.
Chortke has zero servers. You import PDF statements directly, and all processing happens on your iPhone. Your transaction data never touches any external server, ever.
Email-based tracking depends on your bank sending alerts for every transaction.
Not all banks send email alerts for every transaction. Small purchases, pending transactions, and some transaction types may not trigger alerts, leaving gaps in your tracking.
Chortke imports your complete bank statement PDF - every transaction your bank recorded, with no gaps. You get the full picture, not just what triggered an email alert.
Server infrastructure costs get passed on to users.
Skwad costs $4.99/month or $39.99/year. You're paying for their server infrastructure that processes and stores your forwarded emails and transaction data.
Chortke is $1.99/month or $9.99/year - 75% cheaper. Without server costs, we pass the savings to you while providing better privacy.
Skwad is more privacy-conscious than apps requiring bank logins, but they still operate servers that process your forwarded emails. Your transaction data exists on their infrastructure. Chortke takes privacy further - we have no servers at all. Your data physically cannot exist anywhere except your device.
PDF import captures your complete transaction history - every transaction your bank recorded. Email alerts only capture transactions that triggered a notification, which can miss small purchases, certain transaction types, or transactions from banks with limited alert options.
Currently, Chortke is designed as a personal finance app without cloud-based sharing. Each person uses their own instance. This is intentional - shared cloud accounts require servers, which conflicts with our zero-server architecture.
Chortke has no server infrastructure to maintain - no cloud storage, no email processing servers, no backend systems. These savings go directly to you. Privacy and affordability aren't mutually exclusive.
Try Chortke free. No account required. Your financial data never leaves your device.
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