AI Expense Tracker vs Spensei

If your income stopped today, how long would you be fine? Aisance can tell you — in months, in plain language, with no math on your part. That's your buffer. It's the question this app is built to answer, and the one a spreadsheet won't answer for you. Aisance is a conversation with a quiet companion that watches your money so you don't have to. A chat, not a form You can say what you spent the way you'd say it out loud — "just spent forty on lunch" — and it comes back as a card you can confirm or correct in a tap. It suggests where the spend belongs; you can change any part of it. You can ask "am I okay?" and the answer arrives as a sentence first. The detail comes after, and only if you want it. You can ask for a plan in one line — putting money aside for Lisbon — and it works one out with you. Nothing happens on its own Aisance proposes. You decide. Anything it works out for you arrives on a card you can edit or discard, and you can change any part of it before it goes anywhere. You can connect a bank account with read-only access. It can see what you spent. It can't move money. It remembers You can tell it things — that your rent lands on the first, that you travel to see your sister a few times a year — and it carries them into the next conversation. You can group money under names that mean something to you: a car, a trip, a laptop. What isn't in here No streaks. No daily check-in. No score. You can miss a week, or a month, and pick up from wherever you are. Nothing's broken. No shaming language. There's a list of words this app won't use, and the wording is filtered in code before it reaches you — not left to good intentions. No comparing you to anyone else. What it is, and what it isn't Aisance is a money companion, not an advisor. It doesn't give financial advice, and it won't recommend a stock, an investment, or a purchase. It describes what's there, shows you the trade-off, and leaves the deciding to you. Whatever you decide is fine. It's built to be opened rarely and closed quickly. A good week is one where you ask, read the answer, and put your phone down. Aisance is a subscription. The plan, its length and its price are shown in the app before you buy, and you can manage or cancel it any time in your account settings. Terms and policies: https://www.aisance.io/aisance-terms-and-conditions https://www.aisance.io/aisance-privacy-policy Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula

Spensei logs every Apple Pay purchase seconds after you pay and tells you what is safe to spend today. No bank login, and your purchases are stored on your iPhone, not on our servers. HOW IT WORKS Set up one Shortcuts automation, once, with the steps in the app. From then on every Apple Pay tap lands in Spensei on its own, sorted into a category, with a short note on your screen. WHAT YOU GET • Left today: your monthly limit, or your pay minus your bills, turned into one number for today. Tap it to see exactly how it is worked out. • A note the moment you pay, with the amount, the category and what is left today. • Belts for days on track. Close enough still counts, and a belt is never taken away. • A morning note with how yesterday went. • Habits that add up, like a coffee run that costs more a year than you would guess. • Your month in review on the 1st. • Subscriptions, with a reminder before each renewal and before a free trial ends. • A heads up when a shop charges you twice, while you can still ask for it back. • Goals: save toward something, or keep the month under a number. • Home screen widgets. • Add a purchase by hand for cash, debit or anything Apple Pay does not see. ASK ABOUT YOUR MONEY Ask in plain words and get answers worked out from your own numbers: the figures are calculated first, then explained. The chat is optional and asks before it sends anything. PRIVATE BY DESIGN Apple Pay purchases are kept on your iPhone. Spensei never sees your card number and never asks for a bank login. Connecting a bank through Plaid is optional and in beta. SPENSEI PRO Tracking, the daily number and everything on the Spending page are free. Spensei Pro adds more from the chat: 30 answers a day instead of 30 a week, 15 advanced answers a day, and photos and PDFs. Monthly or yearly, with a 7 day free trial. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Spensei is a spending coach, not a financial adviser. Its answers are general information, not professional advice. Privacy Policy: https://hmokbel.github.io/spensei/#privacy Terms of Use: https://hmokbel.github.io/spensei/#terms