Kashly vs Lumi

Kashly is a modern expense and budget tracker built to reduce friction. It captures spending the way people actually pay—automatically when possible, manually when needed. Instead of typing every transaction, Kashly helps you log expenses using voice input, SMS extraction, and Apple Pay transaction parsing, then organizes everything into clear budgets and categories. What makes Kashly different Voice transactions Add expenses by speaking. No typing, no forms. Automated SMS extraction Kashly can extract transaction details from bank or payment SMS messages and convert them into expenses automatically. Apple Pay transaction parsing Supported Apple Pay transaction details can be captured and logged without manual entry. Bills & installments tracking Track recurring bills and multi-month installments separately from daily expenses, with clear visibility into what’s ongoing and what’s left. Manual control when you want it Every expense can still be edited, categorized, or added manually. Clear budgets and summaries See where your money goes, how much is committed, and what’s flexible. Kashly respects your privacy. On iOS, the app does not access your messages or Apple Pay history directly. Instead, users may optionally configure a secure personal automation using Apple’s Shortcuts app to forward transaction details. Kashly does not provide banking, payments, loans, or financial advice. It does not initiate transactions or move money. It is a personal finance tracking tool only. User data is securely transmitted, stored privately, and never shared with third parties. Account and data deletion can be requested at any time. Kashly is designed for people who want speed, automation, and clarity in tracking their finances—without noise or spreadsheets. Terms of Use: https://kashlyapp.com/terms-of-use/ Privacy Policy: https://kashlyapp.com/privacy-policy/

Lumi helps you understand where your money goes, manage a monthly budget, and stay in control on your own or with housemates. EXPENSES AND BUDGET IN ONE PLACE Add expenses manually or with Apple Shortcuts. Set income, fixed expenses, and savings goals, then follow your daily and monthly budget. SHARED HOUSEHOLD FOR UP TO FOUR PEOPLE Manage personal and shared expenses, split amounts between household members, see who needs to transfer and how much, and record transfers that immediately reduce obligations. MONTHLY SCORE AND INSIGHTS Get a clear month-to-date score, category trends, and practical insights that help you spot overspending and savings opportunities. APPLE PAY AND SHORTCUTS Set up an automation in Apple Shortcuts to log payments quickly. Lumi automatically suggests a category based on the merchant and learns from your choices. MULTI-CURRENCY SUPPORT Choose a primary currency and add expenses in other currencies with current exchange-rate conversion. Some advanced features require a monthly Lumi Plus subscription. Your privacy matters. Your information is stored securely and is never sold to third parties. SUBSCRIPTION INFORMATION Lumi Plus is an auto-renewable monthly subscription. Payment is charged to your Apple Account. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings. Terms of Use: https://michael12987.github.io/legal/terms-en.html Privacy Policy: https://michael12987.github.io/legal/privacy-en.html