PayShare vs Ledgery

PayShare helps you track spending with less manual work and more privacy. Capture Apple Wallet payments, organize expenses, build budgets, and share transactions with people you choose. Your data stays in iCloud. PayShare does not use ads, tracking, analytics, AI, or third-party finance databases. APPLE WALLET CAPTURE Set up the Apple Shortcuts automation once, then PayShare can help capture Apple Wallet payments after they happen. When a payment is detected, choose a category from the pop-up and the expense is saved. If you skip the pop-up, PayShare saves it as Uncategorized so you can edit it later. ICLOUD SHARING Create private iCloud sharing connections with partners, family, friends, or anyone you manage expenses with. Each person keeps ownership of their own transactions while choosing who can see them. You can share with multiple people, set view-only access, remove connections, or hide selected transactions from shared views. BUDGETS AND INSIGHTS Plan spending across your own expenses and shared expenses from connected users. Track income, expenses, savings, categories, locations, and trends in one place. PayShare also supports activity-based budgets using Apple Health data such as steps, running minutes, and mindfulness minutes. PRIVACY FIRST PayShare keeps your finance data inside Apple's ecosystem, stored in your private iCloud. There are no ads, no tracking, no analytics, no AI, and no third-party finance database. Currency rates are fetched only to support the currencies you select in the app. Key Features (selected): - Capture Apple Wallet payments automatically - Quickly assign expense category after Wallet payment - Track income, expenses, savings, and budgets - Share transactions through private iCloud connections - Keep control with view-only access, connection removal, and hidden transactions - View analytics by category, location, tags, merchant, recurring transactions, payment method, user - Create activity-based budgets with Apple Health data for guilty pleasures - View your data on iPhone, iPad, and Mac with the same iCloud account - Create recurring transactions for subscriptions, income, etc Important Notes: Apple Wallet capture requires a one-time Apple Shortcuts automation setup. The Wallet notification must appear before the automation can run, so the category pop-up may take a few seconds. In rare cases, Apple's automation system may fail and a transaction may need to be added manually. iCloud sharing depends on Apple's CloudKit system. Both users need available iCloud storage, and PayShare should stay open or in the background while accepting an invitation. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ledgery is a personal finance ledger for tracking day-to-day spending, budgets, refunds, savings goals, and shared accounts. Record expenses quickly, organize them by merchant, category, and tags, and review where your money is going through clear summaries and trends. Ledgery helps you understand monthly spending, watch budget limits, and keep refunds connected to the original expense so your history stays easy to trust. Plan ahead with savings goals and annual income context, import or export your data with CSV, and use guest mode when you want to explore the app or capture clean demos without exposing personal transactions. For households or shared spending, Ledgery supports iCloud sharing through CloudKit. Your ledger data stays on your device or in your own iCloud account when sharing is enabled. Ledgery does not require a separate account and does not store your financial data on an external server. Key features: - Expense, refund, and saving transaction tracking - Budgets, spending trends, and category insights - Merchant/category organization and tags - Savings goals with monthly planning context - CSV import and export - Guest mode for private demos - iCloud sharing for shared accounts - Shortcuts and App Intents support