MoneyTrack vs Twally

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.

Twally is a shared expense tracker designed for couples, partners, and roommates. Say goodbye to tedious manual bill splitting. With back-tap screenshot logging, on-device intelligence, secret surprise protection, and interactive transaction dialogues, managing shared living costs becomes effortless, transparent, and meaningful. Whether you are grocery shopping, dining out, planning a vacation, or splitting household bills, Twally keeps your shared finances organized. [Key Features] Zero-Touch Back Tap Entry Integrate with iOS Back Tap and Shortcuts to capture payment confirmation screens with a double tap on the back of your iPhone. Powered by the Apple Vision framework, amounts and merchants are extracted on-device in milliseconds without manual typing. Real-Time Couple Sync Built on Apple native iCloud CloudKit technology, both partners can record expenses independently while data merges instantly into a single shared ledger. Clearly separate shared expenses, your spending, and your partner's spending. One upgrade covers both partners. Secret Gift Protection Planning a surprise birthday gift or anniversary dinner? Enable Surprise Protection with one tap. Your partner will see a placeholder notice without revealing the merchant, category, or note, keeping your romantic gesture secret while keeping accounts balanced. Transaction Dialogues and Live Activity Finances can be warm and communicative. Leave comments, reactions, and interactive stickers on any transaction. Stay connected through real-time notifications on the Dynamic Island and Lock Screen Live Activities. Smart Voice and Text Parsing Speak naturally to record expenses instantly with automatic speech recognition and smart categorization. Copy and paste payment confirmation notices to extract details with built-in knowledge across hundreds of popular merchant brands. Shared Wishlist Add desired items to your shared wishlist first to encourage thoughtful spending. Save together, coordinate budgets, and convert fulfilled wishes into active expenses with one tap. Financial Analytics Dashboard Track contributions at a glance using the Duo Ratio comparison bar. Monitor spending habits with 6-month stacked trend charts, category donut breakdowns, and month-over-month comparisons. Installments, Recurring Schedules, and Refunds Spread large purchases across 2 to 60 monthly installments. Schedule recurring expenses such as rent and subscriptions. Match refunds directly against original transactions to prevent duplicate or conflicting entries. [Privacy and Security Commitment] • Zero Ads: Twally contains no third-party advertisements or behavioral tracking SDKs. • Native iCloud Sync: All financial details reside securely on your local device and your private Apple iCloud database. Our servers never receive, inspect, or store your transaction amounts, notes, or photos. • On-Device Vision Processing: Optical character recognition runs completely offline via local hardware neural engines. Screenshots are never uploaded to any remote server. [Pricing and Terms] • Single-User Mode is Free: All local personal bookkeeping features, categories, dashboards, wishlists, and data export tools remain completely free. • Twally Together includes a 14-day free trial upon pairing. No pre-authorized payment is required, and no automatic charges occur when the trial ends. • Together access is available as an auto-renewing yearly subscription or a one-time lifetime purchase. A single purchase unlocks shared sync for both partners. Terms of Use: https://gobefar.com/twally/terms Privacy Policy: https://gobefar.com/twally/privacy