MoneyTrack vs Cost 2

MoneyTrack is a simple, focused expense tracker built around three principles: no ads, no launch ads, and no financial product recommendations. It keeps bookkeeping minimal and stays focused on recording transactions. More than 6 million users use MoneyTrack to record transactions and understand their spending. AI-powered automatic entry records transactions accurately and efficiently, while simple charts make spending easy to understand at a glance. 【Features】 No launch ads, no ads, no financial products 【Functions】 - Quick entry: A simple workflow for recording transactions quickly; - AI-powered automatic entry: AI accurately recognizes transactions and matches categories, assets, notes, and other details for immediate recording; - Category management: Supports main categories and subcategories, with custom categories added as needed; - Asset management: Supports cash, bank accounts, credit cards, stored-value cards, investment accounts, and other asset accounts; - Statistical reports: Summarizes income and expenses from multiple perspectives to make spending easier to understand; - Multiple ledgers: Create separate ledgers for daily life, business, renovation, travel, baby expenses, shops, and other scenarios; - Shared ledgers: Invite family members or a partner to record together in the same ledger; - Recurring transactions: Automatically generate repeating income and expenses such as rent, car payments, subscriptions, insurance, and salary; - Budget management: Set monthly or yearly budgets, plan spending in advance, and avoid overspending; - Free backup: Data syncs automatically with your account, continues after switching phones, and can be used on multiple phones; - Free export: Export transactions at any time, including transaction images to Excel; - Free import: Import transactions from Alipay, WeChat, and many other platforms; - Reimbursement management: Record transactions awaiting reimbursement and manage the complete reimbursement process; - Refunds: Apply refunds to expense transactions, link the complete transaction flow, and support multiple refunds. - Bulk editing: Process notes, accounts, categories, tags, and other information across multiple transactions - Tags: Add multiple tags to transactions, such as merchant, project, or city, for multidimensional management. - Search: Find transactions by amount, time, ledger, tag, category, and other criteria; - Multiple currencies: Includes 100+ currencies with automatic exchange-rate conversion; - Widgets: A variety of home screen widgets makes recording more convenient; - Quick launch mode: Open the app and enter the transaction flow automatically; - Calendar view: View each day’s data summary clearly on a calendar; - Privacy first: Protect data with facial authentication or a passcode to prevent access by others; 【Help and Feedback】 User guide: https://docs.qianjiapp.com Feedback: Submit it through the “Feedback” page in the app.

Cost keeps a spending log without asking you to type one in. Share a receipt — screenshot, photo of the paper one, order confirmation, plain text — and an on-device agent reads off the merchant, total, currency, date and category. Confident drafts file themselves; the rest wait in the Inbox with the agent's reasoning shown, a tap from saved. It runs on Apple Intelligence, on your device: nothing uploaded, no account, no bank connection. Fix a draft and the fix becomes a rule. Rename a merchant once and the next receipt from it arrives renamed. Add standing instructions in plain English — "the corner shop is Groceries" — and they hold on every receipt after. Everything Cost has learned is listed in Settings, editable and deletable. Categories stay yours: matched to one you already have, or proposed for you to accept. Never invented, never forced onto a purchase that doesn't fit. Tags cover what a category can't — a trip, a project, "Work". A flight, four dinners and a rail pass are three categories but one trip, and the trip carries its own total. Search reads meaning. "caffeine last month" finds the coffees without sharing a word with them; "how much did my Japan trip cost" answers with the tag's total. Trends for any week, month or year: the total against the period before, the category mix, top merchants, the tags that were running. A calendar zooming year to month to week. Totals per currency — Cost won't add two together and call it an answer. Also: type or dictate a sentence ("Coffee at Pret, £3.20, yesterday"), ask Siri to log spending or search it, attach where you were, keep the receipt with the record. Cost is a Mac app too, synced over iCloud. A receipt the phone couldn't settle arrives on the Mac ready to review — and if you run a model locally (Ollama, LM Studio, llama.cpp), Cost hands the reading to that instead. Bigger model, same machine, still nothing uploaded. Apple Intelligence isn't on every device. Where it's missing, Cost reads what it can and parks a draft for review — an unavailable model costs you a tap, never a receipt.