Effective Expenses vs Penny Pilot

# 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/

Some apps need to know everything about you before they can help with anything. Penny Pilot doesn’t. Most people don't need another app tracking them to understand their money better. They need one that just shows them the truth, quietly, without asking for anything in return. That's what this is! No account to create. No bank to link. No server sitting between you and your own money. Every transaction, every wallet, every budget you set up stays right there on your device, and it stays there because that was the whole point from the start. We didn't bolt privacy onto an existing app. We built the app around it. Set a limit and hold yourself to it. Pull up your full spending history whenever curiosity strikes or ask the on-device Apple Intelligence to summarize your spendings and give you insights. That's the whole app, and it's fast enough that you'll actually use it. What you get for free: • Real privacy. No cloud, no account, no one watching. Lock things down with Face ID, Touch ID, or a passcode. • No ads. Not one. Not ever! • As many transactions as you want, each one able to carry notes, a photo and even a location if you want the full picture. • Up to two wallets in your default currency, whenever you're ready to set them up. • A clear and complete monthly breakdown of where your money actually went. • A heads up before your card expires, so you're never caught off guard. When you're ready for more, there's Penny Pilot Pro: Everything above, plus the tools for people who want to go deeper. • Apple Intelligence summaries that quietly turn your transactions into insights, generated privately, right on your phone. • Multi-currency support, so wallets in different currencies live comfortably side by side. • Budgets with real limits and real-time tracking, so staying on target actually feels manageable. • As many wallets as you need, each one customizable with it’s own colors and designs. • Yearly statistics, so you can pull up any year and see the whole story, not just one month at a time. Try Penny Pilot Pro free for 7 days. No pressure, just see if it fits how you actually manage money. Terms of Use: https://www.getpennypilot.app/terms.html Privacy Policy: https://www.getpennypilot.app/privacy.html Contact Us: support@getpennypilot.app