Effective Expenses vs WallyLedger

# Expense & Income Tracking Keep expenses and income together, from your morning coffee to your monthly salary. - Recurring transactions: Schedule rent, subscriptions, payday, and more, with repeats from daily to yearly, including every 2 weeks. - Upcoming transactions: See scheduled transactions in a dedicated view. - Screenshot entry: Choose a screenshot or receipt photo to fill in a new transaction. - Share to Expenses: Create a transaction from a screenshot shared from another app. - Built-in calculator: Do quick math in the amount field. - Smart pickers: Create accounts and categories while adding a transaction. - Bulk actions: Select multiple transactions to delete or recategorize them together. # Automatic Import with Shortcuts Bring in transactions from Apple Wallet and payment notifications with Shortcuts automations. - Apple Wallet: Set up an automation in Shortcuts to send Wallet transactions to Expenses. - Payment notifications: Send notifications from your banking apps to Expenses, and the on-device model turns them into transactions. Card and account numbers are hidden before reading. (Requires iOS 27) - You’re in control: Review, categorize, and confirm imported transactions. If a notification can’t be read, it’s kept for you to review or retry. # Accounts & Categories Organize your finances with accounts and categories that fit your needs. - Transfers: Move money between accounts in one step. Transfers stay out of your income, expenses, and reports. - Opening balances: Start an account from its current balance and see it grow from there. - Dedicated views: Browse accounts and categories, with income and expense categories kept separate. - Category cards: See your categories at a glance in a grid. - Sorting: Sort categories by name, total amount, or transaction count. - Customization: Give accounts and categories their own colors and emojis. - Category exclusion: Leave selected categories out of analytics. # Analytics & Reports See where your money goes and explore the trends that matter to you. - Time periods: Choose a period and compare it with the previous one. - Custom reports: Create reports for spending trends, top expenses, recurring costs, and more. - Your favorites: Pin reports to Analytics and choose a compact or full-width view. - Account and category insights: Explore charts and spending trends in each account or category. - Monthly overview: See expense and income totals on the Home tab. - Assistant: Ask questions about your finances on devices that support Apple Intelligence. # Home Screen Widgets Check your spending or savings at a glance. - Customizable totals: Choose yearly, monthly, or weekly views. - Dark Mode: Widgets match your device’s appearance. # Fast & Intuitive Interface Use swipe actions and context menus to manage accounts, categories, and transactions. - Unified search: Find transactions, accounts, and categories in one place. - Search filters: Narrow transactions by account, category, or date. # Settings Tailor Expenses to the way you track your money. - Flexible features: Turn off income tracking, accounts, or charts if you don’t need them. - Daily reminders: Get a prompt to log your transactions. - Backup and import: Save and restore your data, including custom reports. # Your Language Use Expenses in English, Italian, French, German, Spanish, Portuguese, Hungarian, Hindi, Japanese, Korean, Chinese (Simplified and Traditional), or Arabic. # Dark Mode Enjoy a clear interface day or night with full Dark Mode support. # iCloud Sync Keep your data up to date across your Apple devices. - Sync status: Check your iCloud setup and sync status in Settings. # Terms of Use (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

WallyLedger WallyLedger is a private, offline-first personal finance app for iPhone, iPad, and Mac. Track accounts, budgets, savings goals, and recurring transactions while keeping your financial data entirely under your control. Your data stays on your device and in your private iCloud account — never on someone else’s server. No sign-up. No ads. No tracking. FEATURES • Multiple accounts — checking, savings, credit cards, cash, investments • Categorised transactions with tags, notes, and receipts • Budgets with rollover support • Recurring and scheduled transactions • Savings goals with progress tracking • Cashflow forecasts and spending insights • Credit, debt, and mortgage tracking • CSV export • Fully offline with optional iCloud sync PRIVACY FIRST WallyLedger is built with privacy by design. Your financial data is stored locally and synced through your private iCloud (CloudKit) database. We do not operate servers that store or process your financial information. • No analytics • No advertising SDKs • No trackers • No account required FREE The free version includes: • Up to 3 accounts • Up to 2 budgets • Up to 3 savings goals • Up to 3 recurring transactions • Up to 60 transactions per month • Full manual transaction tracking and reporting PREMIUM Unlock the complete WallyLedger experience: • Unlimited accounts, categories, budgets, goals, and recurring transactions • Advanced cashflow forecasts and charts • Subscription, credit, debt, and mortgage tracking • Receipt attachments and scanning • Action and notification history • Full CSV export Premium is available as: • Monthly subscription — $6.99 • Annual subscription — $59.99 • Founders Lifetime purchase — $99.99 at launch Monthly and annual plans include a 7-day free trial for eligible new subscribers. Family Sharing is supported. REQUIREMENTS • iOS 18, iPadOS 18, or macOS 15 or later • iCloud account optional for sync across devices Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current billing period. You can manage and cancel subscriptions in your Apple ID account settings after purchase. Terms of Use: https://www.apple.com/legal/macapps/stdeula/