Qashly vs Manilo

No bank login. No account. No email address. Open Qashly and start tracking — it works offline privately on your phone. Most budgeting apps ask to connect to your bank before they show you anything. Qashly never does. Your transactions, budgets and balances live in a secure database on your phone. WHAT MAKES QASHLY DIFFERENT Talk to it, and it acts. Tap the orb and say "twelve pounds for lunch yesterday, and mark the electricity bill paid." Qashly does both. It is a voice assistant that performs actions across your accounts, not a dictation box that writes a note. Undo anything the assistant does. Every AI action lands in a feed with a one-tap undo. Nothing touches your money that you cannot reverse. Point the camera at a receipt. Qashly reads receipts, invoices and statements, pulls out every line, and offers to set up the subscription or bill when it recognises one. See what your reminders will do before they do it. Open "What's Scheduled" for every reminder queued over the next 30 days, and History to see what was sent — plus what was held back, and why. NINE TOOLS, EVERY ONE ON THE FREE PLAN • Bills — due dates, arrears, auto-pay logging, skip a cycle without breaking the schedule • Subscriptions — 59 ready-made services, trial-ending and price-rise alerts, true monthly commitment • Goals — auto-contribute, pace tracking, and a what-if simulator for "£50 more a month" • Loans — full amortisation, plus a payoff simulator showing months and interest saved • Investments — live crypto and stock prices, dividends, and scheduled recurring buys • UK Tax Centre — Scottish and rUK bands, the £100k allowance taper, all five student loan plans, payments on account, PDF export • To-Dos — money tasks linked to the exact bill, subscription or budget line they concern • Calculators — take-home pay, loan, savings, investment, dividend, budget, tip • Currency — 42 currencies with live rates EVERYTHING ELSE • Budgets by category or group, with monthly rollover and a guided setup • Daily spend limit and daily income target, with streaks • Multiple wallets and separate projects for personal, family and business • CSV import built for UK bank exports, including paired money-in / money-out columns, with duplicate detection • Reports for spending, income and net worth; cash flow and P&L statements as PDF • Tags, custom categories, recurring transactions, receipt attachments BUILT TO STAY PRIVATE • PIN lock in hardware-backed storage, with Face ID or fingerprint • Hide balances, and a privacy screen that covers the app in the switcher • No AI tool can change your PIN, disable biometrics or unhide balances — security is walled off from the assistant by design • AI features are optional. Voice, chat and receipt scanning send that request to our AI provider to process it; everything else stays on your device PLANS Free — all nine tools, one item in each. Unlimited to-dos and all eight calculators, forever. 3 receipt scans, 3 minutes of voice and 10 assistant messages to try. Premium — £6.99/month, £49.99/year or £99.99 once. 20 of each tool, 20 custom categories, 10 projects, 50 scans, 15 minutes of voice and 50 assistant messages a month, advanced reports and PDF export. Pro — £9.99/month, £99.99/year or £149.99 once. Unlimited tools, categories, tags, projects and wallets. 100 scans, 30 minutes of voice, 100 assistant messages a month. 3-day free trial on monthly and annual. Annual saves 40%. Lifetime plans never renew. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Manilo (formerly Ledgy) logs expenses the moment you speak them. Say what you spent, and AI fills in the amount, merchant, and category — no typing, no forms. Or snap a receipt. Or type a note. Whatever gets it in fastest. Manilo is an expense tracker and budget app built on voice and AI. Log transactions in seconds, set monthly budgets, share spending history with family or housemates, track accounts in any currency, and review everything on the web — all synced across your devices. — Voice and AI — Speak any transaction out loud: "Coffee at Blue Bottle, four seventy-five" or "Uber to the airport, twenty-two dollars." Manilo parses the amount, merchant, date, and category in under two seconds. Trigger it from the iPhone action button or a Siri shortcut — no app to open first. AI categorization learns your patterns. The first few times you log Whole Foods, it asks which category. After that, it knows. On-device voice processing — audio is never transmitted or stored. — Talk to Manilo from Any AI — Manilo ships a Model Context Protocol (MCP) server. If you use Claude, ChatGPT, Cursor, or any MCP-compatible assistant, you can log, query, and edit transactions from inside your AI — without opening the app. No other expense tracker in the App Store offers this. Requires Manilo Cloud. — Receipt Scanning — Snap any receipt — grocery store, restaurant, hardware store. Manilo reads the total, merchant name, and date, then adds the transaction to your log. Confirm in one tap or let it save automatically. — Budgets — Set monthly spending limits by category. Manilo shows how much is left, not just how much was spent. Green when on track, orange when close, red when over. No spreadsheets. No end-of-month surprises. — Multi-Currency — Add accounts in any currency. Travel card in euros, savings in dollars, UK credit card in pounds. Manilo applies live exchange rates and shows everything converted to your home currency. Long-press any foreign balance to see its equivalent. — Shared Expenses — Create a group for the people you spend with — a household, a couple, a trip abroad. Everyone logs their own expenses into one shared history that all members can see. Budgets, categories, and charts apply across the whole group, in any currency. Track your London weekend in pounds and the household groceries in dollars — Manilo converts everything to one home view. Requires Manilo Cloud subscription. — Charts and Web Dashboard — The mobile app shows a category donut chart with filters by month, quarter, or custom range. The web dashboard at ledgy.app goes deeper: spending trends by day, category breakdowns, income vs. expense comparisons, and shared group summaries. Same data, every surface. Log your first expense in under ten seconds. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/