Windfall vs Sift

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

Your Money just disappears? By the 23rd you look at your balance and wonder where it all went. Sift is a spending tracker that answers that question in one sentence. THE SIMPLE MODE Tap the S and Sift tells you the single thing worth knowing about your month you're over budget, a category jumped, a small habit is quietly adding up and draws the one picture that explains it. Not twelve charts: one number, one sentence, one chart. LOGGING THAT DOES ITSELF • Your bank's notifications: on iOS 27, one tap adds Sift's ready made automation. Switch it on in Shortcuts and every purchase your bank tells you about is logged amount, shop and category • Amounts in other currencies are converted at the day's rate, with the original kept beside it • Say it "twelve fifty at the bakery, eight for parking" and every purchase is logged • Snap a paper receipt and Sift reads the total • Screenshot your banking app and every line lands categorised • Import a CSV from Revolut, Trading 212, Wise and most banks • Press and hold the Sift icon to log, scan or say a purchase in one step BUDGETS THAT WARN YOU IN TIME Set a budget for the month or for any category weekly, monthly or yearly. Sift warns you while you're heading over, not after. A weekly check-in keeps your balance honest, and money coming in has its own place. NEVER MISS A RENEWAL Sift spots repeating charges on its own the ones you forgot you signed up for and warns you the day before the money leaves. SPLIT WITH ANYONE Split any purchase, keep a running balance per person, and mark it settled when they pay you back. No accounts, no invites no one else needs the app. BEFORE YOU SIGN A LOAN Add a loan and Sift tells you what's actually left each month once the payment is out. AN AI COACH THAT KNOWS YOUR NUMBERS Ask "can I afford this?" in plain words. Every answer is worked out from your own spending, and most are answered right on your iPhone. MAKE IT YOURS Themes, logos for the shops you know, and a choice of app icons starring Sift's mascot. WIDGETS Today's spending and what's left, on your Home Screen and Lock Screen. PRIVATE BY DESIGN Your purchases live on your iPhone. Reading receipts and notifications, cleaning up shop names, categorising and building the insights all happen on the device. There's no account, no ads, and nothing is ever sold. Anonymous usage counts help me improve Sift — never amounts, shops or anything you type — and you can switch them off in Settings ▸ Privacy. MADE BY ONE PERSON I'm a student, and Sift is the app I wanted and couldn't find. I read every email you send. If something is wrong or missing, tell me and I'll fix it. SIFT PRO Logging your spending is free. Pro adds the Simple mode, the deep dives, subscription alerts, splitting, loans, widgets and the AI coach. Try it free for 3 days. Available in English, Spanish, French, German and Italian.