Sem vs Expense Tracker

Take control of your finances with Sem, the user-friendly budgeting app designed for everyday users. Easily add and manage your expenses, categorize them, and stay on top of what matters most. With monthly budget overviews, push notifications to remind you of upcoming expenses, and the ability to generate detailed statements, managing your finances has never been simpler. Whether tracking savings, wants, or needs, Sem helps you see where your money goes. Key Features: • Add and manage expenses with name, status, due date, category, and notes. • Select any month for your budget. • Receive push notifications 3, 2, or 1 day before a expense is due. • Auto-generate and download monthly statements. • Multi-select and swipe to manage expenses. • Light and Dark mode support. • Budget overview by month. • User feedback integration. • Onboarding guide. Developed by a solo creator passionate about financial health, Sem is here to make personal finance easier for you. We welcome all feedback and suggestions through the Feedback button in Settings. Let Sem help you manage your finances effortlessly.

YOUR DAILY CASHBOOK: Today Expenses brings the simplicity of a paper notebook to your personal finances. Write naturally — jot down what you spent or earned, and on-device AI fills in the details automatically. No outside servers, no account creation. Everything stays securely in your own iCloud. Each day gets its own page. Turn back to see previous days. Turn forward to plan ahead. HOW IT WORKS Open the app to your Today Page Tap Expense or Income to set the record type Type naturally — "coffee 4.50" or "freelance payment 2500" On-device AI extracts the category and amount instantly Tap any record to edit or correct the details Turn the page to navigate between days RECORD KEEPING Daily notebook page for expenses and income One page per day — navigate forward and back through any date Add, edit, and delete records on any day Tap the metadata panel to correct anything the AI gets wrong Set your own category, amount, and currency manually anytime AI MODELS Two on-device AI models — you choose. Apple Foundation Models — powered by Apple Intelligence. Reads your full note and infers meaning from context. Available on iPhone 15 Pro and later. Pre-Trained Model — trained on 16,700 expense and income notes across 71 categories. Works on every iPhone, with or without Apple Intelligence. Fast, private, fully on-device. Your notes are never sent to any server. Your data is never used to train any model. Switch between models anytime from Settings. PAGE STYLES AND CUSTOMIZATION Multiple paper styles including Classic, Ivory Rose, Obsidian Gold, Sage, and more Choose your font and font size Set your preferred currency and category list Set an initial balance for accurate net tracking BUDGETS Set a budget for any category, or one overall budget for everything Track spending against your budget as you record See how much is left at a glance Adjust or remove a budget anytime CHARTS AND INSIGHTS Net balance tracking over time Spending and income breakdown by category Weekly and monthly overviews 6-month chart and spending calendar HOME SCREEN WIDGETS Today Balance, Today Records, This Week, This Month 6 Month Overview, Spending Calendar, Streak, Category Breakdown Multiple sizes — small, medium, and large Widgets follow your chosen page style theme SYNC AND PRIVACY Stored locally and synced privately to your iCloud via CloudKit No accounts, no sign-up, no outside servers Works fully offline — syncs automatically when you reconnect FREE PERIOD AND PLANS 24 hours of full access to try everything — no card required. Choose a monthly or yearly subscription, or buy once and keep it forever. WHY TODAY EXPENSES? Notebook-style UI that makes recording feel natural Two on-device AI models — Apple Foundation Models or Pre-Trained Model Pre-Trained Model works on every iPhone, no Apple Intelligence needed Budgets by category or for everything, tracked as you write Beautiful page styles, fonts, and home screen widgets Full offline support with automatic iCloud sync No ads. No account required. Your data stays yours. REQUIREMENTS iOS 26 or later and iCloud required. Pre-Trained Model works on every supported device. Apple Foundation Models requires Apple Intelligence on iPhone 15 Pro or later. If unavailable, Pre-Trained Model is used automatically. TRY IT FREE Download and start with 24 hours of full free access — no card required. Privacy Policy: https://www.notion.so/Today-Expenses-Privacy-Policy-3392d576f5a48029a0dedcca7dd3ae31?source=copy_link Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/