PennyTracker vs Waypoint Budget Planner App

PennyTracker is a simple, straightforward expense tracking app that helps you take control of your spending without the complexity of bloated finance apps. Best of all? It's completely free with no ads, no subscriptions, and no hidden costs. EASY EXPENSE ENTRY Add your purchases manually in seconds by entering the date, store name, payment method, category, amount, and optional notes. It's quick, intuitive, and designed to get out of your way. AUTOMATIC LOGGING WITH APPLE PAY Set up a simple Shortcuts automation once, and PennyTracker logs your automatic purchases the moment you pay — no need to open the app. Prefer more control? Choose the manual option to confirm the category and add notes each time. Setup instructions are right in the app's Settings tab. SMART RECEIPT SCANNING Tired of manual entry? Simply snap a photo of your receipt and let PennyTracker's text recognition technology extract the key information. Review and edit the details before saving to ensure accuracy. While receipt formats vary, our scanner gives you a helpful head start. INSIGHTFUL ANALYTICS Visualize your spending habits with clear pie charts showing breakdowns by category and payment method. View your totals by day, week, month, year, or all time, and see at a glance where your money is really going. POWERFUL SEARCH & FILTERING Find any transaction quickly with robust search and filtering options: Search by store name Filter by amount range (min/max) Filter by date range Filter by payment method or category Sort by entry date, transaction date, amount, or store name FULL CUSTOMIZATION Make PennyTracker work for you by creating custom categories and payment accounts that match your lifestyle. Edit or manage them anytime in settings to keep your tracking relevant. YOUR DATA, YOUR DEVICE PennyTracker stores all your data locally on your device — including anything logged automatically through Apple Pay. We don't collect, transmit, or store any of your personal information or financial data. Your privacy is guaranteed. EXPORT YOUR DATA Need your expense data in a spreadsheet? Export all your transactions to CSV format directly from the app for further analysis or record-keeping. KEY FEATURES Manual expense entry with customizable categories Automatic logging via Apple Pay Shortcuts automation Receipt scanning with text recognition Visual analytics with pie charts by day, week, month, year, or all time Advanced search and filtering Multiple sorting options Custom categories and payment accounts CSV export functionality 100% free with no ads Complete privacy - all data stored locally No login required Whether you're a student tracking a tight budget, a professional managing business expenses, or anyone wanting to understand their spending better, PennyTracker gives you the essential tools without overwhelming complexity. Download PennyTracker today and start your journey to better financial awareness!

Waypoint Budget is a simple budgeting app and expense tracker for people who want clarity, not complexity. See what you can safely spend today, build real savings, and reach your goals. No overwhelming dashboards. No selling your data. Just a budget planner with the tools to manage your money with confidence. WHAT YOU GET - Safe to Spend The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. It learns your recurring expenses from your own history. - Widgets for your Home Screen and Lock Screen Safe to Spend, your month, budgets, upcoming expenses, goals, and balances at a glance. Choose what each widget shows. - Budget planner that works the way you think Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, set a different amount for any month ahead, and see your past spending before you pick a number. - Bank sync with 10,000+ banks Sync transactions from banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password. Pro includes unlimited bank connections. - Quick Add and smart categorization Type or say a purchase and the details fill themselves in. Transactions sort into your categories, learn from your corrections, and rules can fix past ones too. - No bank connection needed Track cash and manual accounts by hand. Every budgeting feature works without a bank. - Import anything Moving from Monarch, another app, or paper? Import your history, CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan. - AI Money Coach Ask your finances anything and get insights, breakdowns, and charts on demand, in the app or from ChatGPT and Claude. AI is optional and only sees your data when you turn it on. - Savings goals that stick An emergency fund, a home, paying down debt. Watch progress and see when you will get there. - Expenses, subscriptions, and income Recurring expenses, subscriptions, and every paycheck, steady or not, on one monthly calendar, so nothing sneaks up on you. - Net worth tracker Watch your full picture grow, and track contributions against annual limits for 401k, IRA, Roth IRA, HSA, TFSA, and RRSP. - Budgeting for couples and families Shared budgets, joint goals, and a privacy toggle for your balances. One Pro plan covers your household's bank connections. - Reports, alerts, and your own dashboard Spot spending leaks, get alerts before a category goes over, and arrange your dashboard. - Built for the US and Canada Both currencies, on phone, tablet, and any browser, always in sync. PRIVACY FIRST Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads. Ever. PLANS - Free: Manual budgeting, expense tracking, Quick Add, imports, goals, calendar, basic reports - Plus: 1 bank connection, Home and Lock Screen widgets, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports - Pro: Unlimited bank connections, net worth, registered accounts (401k, IRA, TFSA, RRSP), household budgeting, multiple profiles BUILT BY TWO, NOT A CORPORATION Bootstrapped and independent, built by two people who found budgeting apps felt like homework. Get started in 2 minutes, no credit card required. SUBSCRIPTION DETAILS Waypoint Plus and Pro are auto-renewable monthly or annual subscriptions, charged to your Apple Account at purchase. They renew automatically unless auto-renew is turned off at least 24 hours before the period ends. Manage them in your Apple Account settings. Terms of Service: https://waypointbudget.com/terms Privacy Policy: https://waypointbudget.com/privacy Questions? support@waypointbudget.com