Fiano vs Pledgr

Fiano is the expense tracker that feels like writing in your notebook. Just type what you spent — "coffee 4.50" or "rent 1400" — and Apple Intelligence instantly turns it into a clean, categorized entry. No buttons, no menus, no friction. YOUR EXPENSES, YOUR NOTEBOOK Fiano brings the simplicity of pen and paper to your iPhone. Add expenses and income with natural language, and watch your financial picture come together automatically. Every entry is neatly organized by date, category, and amount in a beautiful notebook-inspired interface. POWERED BY APPLE INTELLIGENCE Type the way you think. Fiano uses on-device Apple Intelligence to understand what you mean — parsing descriptions, amounts, and categories from plain text. Everything happens on your device. No cloud processing, no waiting, no compromises. SAVE SMARTER Set savings goals for what matters — an emergency fund, a vacation, a new car, retirement. Track your progress and watch your savings grow over time. NEVER MISS A PAYMENT Create reminders for recurring bills and payments. Fiano notifies you in advance so you're always on top of rent, subscriptions, insurance, and more. SEE WHERE YOUR MONEY GOES Monthly statistics break down your spending by category with colorful, easy-to-read charts. Set a monthly budget and track how you're doing at a glance. COMPLETELY PRIVATE Fiano collects zero data. No accounts, no servers, no analytics, no tracking — ever. All your financial data stays on your device using Apple's SwiftData framework. Optional iCloud sync keeps your data across your Apple devices, controlled entirely by you. MORE FEATURES YOU'LL LOVE • 10 built-in expense categories + create your own • Multi-currency support with 200+ currencies • Export your data as CSV anytime • Face ID & passcode lock for extra security • Siri Shortcuts — add expenses with your voice • Dark mode support • Monthly budget tracking with visual progress • iCloud sync across your Apple devices Fiano is completely free. No subscriptions, no ads, no in-app purchases. Just a simple, beautiful, private way to track your money.

Pledgr is a fast, private expense tracker for people who want clarity about their money without giving it to anyone else. No sign-up. No vendor server. Your data lives on your iPhone and syncs through your own private iCloud. LOG IN SECONDS • Add expenses, income, and transfers with a few taps • Categories with clean, colorful icons — plus your own custom categories • Tags, notes, and photo receipts for deeper organization • Pick the account you paid with: cash, bank, credit card SEE WHERE MONEY GOES • Cash-flow summary the moment you open the app • Weekly, monthly, yearly, and custom analysis • Spending trends, day-wise charts, and category breakdowns • Payment-mode analysis and summary statistics • Export any period to CSV STAY ON BUDGET • Monthly and annual budgets with progress you can read at a glance • A daily budget target that keeps you honest • Optional budget alerts before you cross the line EVERYTHING ELSE YOU NEED • Accounts with balances and privacy masking • Scheduled transactions with reminders for recurring bills • Debts — track money you lent or borrowed, with due dates • Home-screen widget for today's spending • Spotlight search of your transactions • Daily reminder so logging becomes a habit • App lock with Face ID • JSON backup export and restore — your data is portable, always PRIVATE BY DESIGN • No account and no Pledgr server — there is nothing to sign up for • Your financial data stays on device and in your private iCloud database • The free app shows a small banner ad; your financial data is never shared with advertisers Pledgr is built for one thing: making it effortless to know where your money goes — while making sure nobody else does.