Bloom vs Expensed

Bloom is a private, offline-first money tracker. No account required. No server. Everything stays on your iPhone. KNOW WHERE YOU STAND One honest number: your account balances minus what you've spent on credit cards this cycle. Add your bank account, cash wallet, Touch 'n Go, EPF, ASB, or Tabung Haji and get a real picture of your financial position. TRACK EVERY RINGGIT - Log transactions manually in seconds - Scan receipts with your camera, OCR reads the merchant and amount for you - Connect Apple Pay via a Shortcuts automation for automatic logging - Import your bank statement as a CSV, Bloom maps the columns and skips duplicates PLAN AHEAD - Monthly budgets per category with a live progress bar - Savings goals with optional auto-contribution schedules - Loans, installments, and recurring bills tracked in one place - 30/60/90-day cashflow forecast warns you before your balance dips SEE THE BIG PICTURE - Net worth: assets minus liabilities with a monthly trend chart - Spending insights: burn rate vs your 3-month average, category spikes, card utilisation alerts - Recurring payment audit, find subscriptions you forgot about - Daily heat strip, weekday vs weekend split, projected month-end spend BUILT FOR MALAYSIA - Ringgit (RM) formatting throughout - EPF, ASB, and Tabung Haji as built-in account types - LHDN tax relief codes mapped to categories - Tax Pack export: receipts and a category-sorted CSV ready for e-filing - Bahasa Malaysia interface option PRIVATE BY DESIGN - All data lives on your iPhone and syncs to your own private iCloud, never ours - Scanned receipts stored with file-level encryption - Face ID / Touch ID lock with a configurable grace period - Content hidden from the iOS app switcher HOME SCREEN WIDGETS Four glanceable widgets: spent this month, budget left, next bill due, and savings progress. Available on the Home Screen, Lock Screen, and in the Dynamic Island. Bloom is free forever for manual tracking. Bloom Pro unlocks the receipt scanner, Apple Pay auto-log, CSV import, unlimited accounts and cards, Home Screen widgets, the full Insights suite, iCloud sync across your devices, and the LHDN Tax Pack export. Monthly, yearly with a 7-day free trial, or a one-time lifetime purchase. Your data stays on your device either way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Expensed is a private expense tracker that works offline, with no account required. Record expenses and income, organise your accounts and categories, and see where your money goes. Add transactions manually, scan a receipt, or import an image or PDF. On supported devices, Expensed can use an on-device AI model to read the receipt and prepare a transaction for you to review. Set up the model once, and receipt processing stays on your device. Features include: • Weekly and monthly budgets • Spending breakdowns and period comparisons • One-off bill splitting and groups • Recurring transactions • Multiple accounts and currencies • Receipt and document attachments • CSV import and export Your financial records stay on your device. There are no ads, analytics, or accounts to sign up for. Some optional features require an internet connection, including AI model setup, exchange rates, purchases, and cloud backup.