Windfall vs Expense Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Windfall
Effortlessly track expenses and income by simply describing them in natural language, via voice, or by scanning receipts. Manage budgets, bills, and gain insights into your spending habits with a user-friendly interface designed for both iPhone and Apple Watch.
- Natural language transaction logging
- Siri and Shortcuts integration
- Receipt scanning and import
- Apple Watch logging and insights
- Bill and recurring payment tracking (Pro)
- Customizable account card designs
- Yearly spending review and insights
Read full descriptionHide full description
Turn a sentence into a transaction you can review. Type ‘Lunch at Starbucks $12’, ask Siri, or scan a receipt—Windfall prepares the merchant, amount, category, account, and date before you save. LOG SPENDING YOUR WAY • Describe expenses and income in natural language • Ask Siri, use Shortcuts, or run a personal automation • Review every prepared transaction before saving • Scan receipts or import multiple transactions RIGHT ON YOUR WRIST • Log an expense or income on Apple Watch in a few taps: amount, category, done • Your most recently used categories come first, and you can dictate a merchant name • Keep logging when your iPhone is out of reach; entries sync as soon as it's near • See today's spend and your latest entries on the Today page • Put Today's Spend on a watch face or in the Smart Stack, and tap it to open the keypad • Say it (Pro): dictate the whole thing, like ‘Uber to the airport $24’, and review the entry before it's saved • Watch entries count toward the same budgets and insights, and teach Windfall your merchants NEVER MISS A BILL (PRO) • See upcoming bills and income on an Upcoming screen and on Home • Log recurring payments automatically, or have Windfall ask first • Get reminders, price-change alerts, and a duplicate warning • Find recurring payments hiding in your history • Budgets set money aside for bills that are coming up • Check and log payments with Siri, Shortcuts, and Spotlight ACCOUNTS THAT LOOK LIKE CARDS • Pick a card design and a network such as Visa, Mastercard, American Express, or Discover • Tap a card to flip it, or drag to tilt it • Account pickers suggest the account you usually use at a merchant, and tell you why YOUR YEAR IN REVIEW • From December 1, relive your year as a story: totals, your biggest month, top categories, and the places you visit most • See your longest logging streak and what recurring payments cost you over a year (Pro) • Share a story or square card, with amounts hidden unless you choose to show them KEEP YOUR MONEY CLEAR • See weekly, monthly, and yearly budget progress • Follow trends, categories, forecasts, and activity heat maps • Use merchant logos, calendar browsing, search, and CSV export • Track multiple currencies with exchange-rate conversion NO BANK LOGIN REQUIRED Windfall never asks for banking credentials or connects to your bank. Saved financial records stay on your device, and entries you log on Apple Watch go straight to your iPhone. Smart Entry can run on device; when Cloud parsing, receipt scanning, or Say it on Apple Watch uses a service provider, only the text, receipt image, and relevant context needed to return the parsed result are sent. Choose your parsing mode in Settings. A focused ledger, ready for your approval, with native iPhone and Apple Watch tools that fit your routine. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://trywindfall.app/privacy
Expense Tracker
Effortlessly track your daily expenses and manage budgets with a simple, fast interface. Visualize your spending habits with charts and insights, and customize categories for a personalized financial overview. Your data remains private and stored locally on your device.
- Track expenses quickly
- Set and monitor monthly budgets
- Visualize spending by category
- Search and filter transactions
- Customizable spending categories
- Offline functionality
- Data privacy and local storage
Read full descriptionHide full description
FEATURES - Track expenses in seconds with a clean, fast interface - Set monthly budgets and monitor your progress - View spending by day, week, month, year, or all time - See category breakdowns with visual charts - Search and filter expenses by category, merchant, or date - Timeline view to see your spending history day by day - Calendar view to browse expenses by date - Daily averages and spending insights - Top merchants and biggest expenses at a glance - Customizable spending categories with icons and colors - Multiple payment methods like cash, card, and bank - Beautiful home screen and lock screen widgets - Spending wrapped summaries to review your habits - Export reports as CSV, Excel, or PDF - Full backup and restore for your data - Daily reminder notifications to log expenses - Works offline with no account required - Your data stays private and on your device WHY CHOOSE EXPENLY Managing your personal finances should be simple. Expenly helps you track daily expenses without complicated features or bank linking. Just open the app, enter your spending, and see your budget in real time. Whether you want to save more money, stick to a monthly budget, or simply understand your spending patterns, Expenly gives you the tools you need. POWERFUL SEARCH Find any expense instantly. Search by name, notes, or merchant. Filter by category, time period, or custom date range. Quickly locate past transactions and review your spending habits. TIMELINE VIEW See your spending history organized by day. Expand or collapse each date to view individual transactions. Swipe between months to browse your complete expense history. Filter by category to focus on specific spending. SPENDING INSIGHTS See where your money goes with category charts and breakdowns. Find your top spending categories, track how much you spend at different merchants, and identify your biggest purchases. Daily and weekly trends help you spot patterns and make better financial decisions. BUDGETING MADE EASY Set a monthly budget and watch your progress. Expenly shows you how much you have spent and how much remains. Color coded indicators let you know if you are on track or overspending. Historical budgets help you compare month over month. EXPENSE TRACKER WIDGETS Add expense tracker widgets to your home screen or lock screen to see your spending at a glance. Choose from small, medium, or large widgets showing today, this week, or this month. Stay aware of your budget without opening the app. YOUR DATA STAYS PRIVATE Expenly stores all data locally on your iPhone. No account signup required. No cloud sync. No bank connections. Your financial information never leaves your device. Export backups anytime to keep your data safe. PERFECT FOR - Anyone who wants to track daily spending - People looking for a simple budget tracker - Users who prefer manual expense logging - Anyone who values privacy and offline apps - People tired of complex finance apps Start tracking your expenses today with Expenly. A simple, private, and beautiful expense tracker for iPhone. SUBSCRIPTION DETAILS Expenly is free to download. A free trial is available for new users so you can explore all the features freely before subscribing. Expenly requires a subscription to access all features. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Read the app's privacy policy here: https://heyvish.com/privacy/expensekit Read the app's Terms of Use (EULA) here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is review sentiment: Windfall at 50% against Expense Tracker's 0%. Expense Tracker's advantage is iOS requirement (15.1 vs 26.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Windfall sells 4 in-app purchases, starting at $2.99 per 7 days and Expense Tracker sells 5 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.
| Parameter | Windfall | Expense Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Positive reviews | 50.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Weekly | Weekly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPod |
| Requires iOS | 26.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 60 MB | 37 MB |
| Age rating | 4+ | 4+ |
| Developer | Swapnanil Dhol | Srivishnu Ramakrishnan |
Customer experience
Windfall
Expense Tracker
In-app purchases
Windfall
- Money Buddy Weekly$2.997 Days
- Monthly Pro$2.991 Month
- Yearly Pro3 Days trial$12.991 Year
- Lifetime Pro$19.99
Expense Tracker
- Expense Kit Weekly Offer$2.997 Days
- Expense Kit Pro Weekly3 Days trial$3.997 Days
- Expense Kit Yearly Offer7 Days trial$14.991 Year
Show 1 moreShow fewer
- Expense Kit Pro Yearly3 Days trial$19.991 Year
- Expense Kit Pro Lifetime$29.99









