PennyBird vs SplitCircle AI Expense Tracker

PennyBird is a privacy-first expense tracker for people who want clarity without connecting their bank. Track spending manually, organize your accounts, split bills with friends, and keep personal and shared expenses in sync. PennyBird is offline-first, iCloud-powered, and built with no ads, no tracking, and no bank logins. PRIVATE EXPENSE TRACKING Log income and expenses in seconds. Organize your money with accounts, sub-accounts, categories, and reusable templates. PERSONAL + SHARED BUDGETS Create shared accounts for trips, couples, roommates, or projects. When you pay for a shared expense, PennyBird can mirror it into your personal budget automatically, so your own spending stays accurate. SPLIT BILLS WITHOUT SPREADSHEETS Track who paid, who owes what, and how to settle up. PennyBird helps you manage group expenses without complicated spreadsheets or messy notes. TRAVEL-READY Track spending in multiple currencies with automatic exchange rates and manual overrides when you need them. OFFLINE-FIRST, ICLOUD SYNC Use PennyBird anywhere, even without internet. Your data is stored on your device and synced through your private iCloud account. NO BANK CONNECTIONS PennyBird never asks for your bank credentials. You stay in control of what you enter and what you track. WHY PENNYBIRD? • Private by design • No ads • No tracking • No bank logins • Personal and shared expenses • Multi-currency support • Offline-first • iCloud sync • Simple manual tracking PennyBird is free to use, with optional PennyBird Plus for power-users. --- - Privacy Policy: https://pennybird.app/privacy/ - Terms of Use: https://pennybird.app/terms/

Split Circle is an AI-powered expense manager designed for shared expenses. Split bills, track spending, scan receipts, manage budgets, and settle balances with friends, roommates, couples, families, and travel groups. Powered by AI, Split Circle helps reduce manual work and keeps shared expenses organized in one place. WHY CHOOSE SPLIT CIRCLE? • AI Expense Assistant — Add expenses, ask questions, and manage spending using natural language. • AI Receipt Scanner — Scan receipts and automatically extract amounts, merchants, and dates. • Flexible Bill Splitting — Split expenses equally, by amount, percentage, shares, or individual items. • Simplified Settlements — Reduce the number of payments required to settle group balances. • Budget Management — Create budgets and monitor spending in real time. • Offline Support — Add expenses without an internet connection and sync later. • Multi-Currency Support — Track expenses across different currencies for travel and international groups. • Privacy & Security — Protect your data with Face ID, Touch ID, PIN protection, and biometric authentication. SHARED EXPENSE TRACKING Track expenses across all your circles and keep balances organized in one place. FLEXIBLE BILL SPLITTING • Equal • Exact Amount • Percentage • Shares • Items Support multiple payers and backdated expenses. OFFLINE SUPPORT Add expenses while traveling or when you don't have internet access. Your data syncs automatically when you're back online. SIMPLIFIED SETTLEMENTS Split Circle calculates settlement paths that can reduce the number of transactions between group members. RECEIPT SCANNING Attach photos to expenses. Pro includes OCR receipt scanning that can extract receipt details such as amount, merchant, and date. BUDGET TEMPLATES • Household • Travel • Wedding • Event • Business Trip • Monthly Groceries • Vacation • Birthday Party • Student • Fitness 60+ CURRENCIES Track expenses across different countries and regions. DATA IMPORT Import groups using CSV, including expenses, balances, and members. APP SECURITY • PIN Lock • Face ID • Touch ID • Fingerprint Authentication • Auto-Lock Options PERFECT FOR • Roommates • Friends • Couples • Families • Students • Travel Groups SPLIT CIRCLE PRO • AI Expense Assistant • OCR Receipt Scanning • Itemized Bill Splitting • Recurring Expenses • Personal Budgets • Group Budgets • Budget Approval Inbox • Advanced Analytics SUBSCRIPTION OPTIONS Split Circle is free to use with optional paid plans: • Split Circle Pro Monthly • Split Circle Pro Annual • Split Circle Pro Lifetime • Payment will be charged to your Apple Account at confirmation of purchase. • Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. • Your account will be charged for renewal within 24 hours before the end of the current subscription period. • Subscriptions may be managed and auto-renewal turned off in Apple Account Settings after purchase. • Split Circle can continue to be used without a subscription. Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://split-circle.com/en/terms Privacy Policy: https://split-circle.com/en/privacy