Rational Spending vs Penni Private

Rational Spending is a simple money tracker with native iOS interface. The app helps you keep track of your finances - expenses and earnings. With this app, you can easily note your own costs or earnings - input manually, import from file or automatically load bank accounts statement from available banks. At the moment Ukrainian bank Monobank is available. View charts and graphs to help you better understand your finances. Filter your money flows data by different parameters. This makes it easy to identify spending trends, track your expenses, and plan for the future. Control you week/month/year expenses by Spending Limits feature. Rational Spending has convenient transactions importing tool. So if your bank is not present in integrations yet you can manually import bank statement via transactions importing tool. Just load bank statement via CSV file or paste as string from clipboard, match fields and correct format if you need. It's easy to migrate your transactions data from other app or source. Whether you're an entrepreneur, freelancer, or just looking to get a better handle on your finances, Rational Spending is the perfect tool for you. With its intuitive interface, powerful features, and flexible options, it's the ultimate financial management app for anyone who wants to keep their finances under control.

Penni is a private expense tracker that lives only on your iPhone. No cloud sync. No user accounts. No analytics. No tracking. Your money — your device. PRIVATE BY DESIGN Penni makes zero outbound network requests. Don't take our word for it: open iOS Settings → Privacy & Security → App Privacy Report after using Penni. You'll see nothing — because there's nothing to send. THREE CURRENCIES Track expenses in USD, UAH and EUR — each currency separately. No exchange rates. No conversions. No surprises. MONTHLY BUDGETS Set a per-currency limit. Watch progress fill up in real time. Adjust as you learn your habits. QUICK ACTIONS Long-press the app icon to log an expense in one tap — straight from your Home Screen. Your most-used templates are always one gesture away. VISUAL INSIGHTS Donut charts by category. Daily and monthly bar charts. Spot patterns in seconds, not hours. DARK MODE Adapts to your system theme automatically. Designed to feel right at any hour. CSV EXPORT Your data is yours. Export to CSV anytime — take it wherever you want. CATEGORIES & TEMPLATES Use 7 default categories or create your own with custom icons and colors. Save frequent expenses as templates. ENGLISH & UKRAINIAN Full localization for Ukraine. Built by a developer in Kyiv. WHAT WE DON'T DO - No accounts - No servers - No cloud sync - No analytics - No ads - No tracking Free. Forever. Privacy is the foundation, not a feature. Questions? Reach out at vyahello@gmail.com