Expense Tracker vs Moniva

Track your spending on your own, as a couple or as a family. PayShare is a native app for iPhone, iPad and Mac that keeps your transactions in your own iCloud and shares them only with the people you invite. With a Shortcuts automation you set up once, a tap to pay with Apple Wallet becomes an expense in PayShare: you just pick the category. No ads, no account to create, no bank to connect. PAY WITH APPLE WALLET, PICK A CATEGORY Create one personal automation in the Shortcuts app. From then on, each time you tap to pay with a card in Apple Wallet, it runs PayShare's Add Expense action: you choose a category without opening the app, and PayShare saves the expense. Skip the question and it is saved as Uncategorized, ready to edit later. A payment in another currency is converted to your primary currency with the latest rates PayShare has downloaded. Wallet can report a payment a few seconds late and Apple's automations do not always run, so now and then a payment still needs adding by hand. SHARE WITH THE PEOPLE YOU CHOOSE Invite a partner, family or friends through private iCloud sharing. Everyone keeps ownership of their own transactions: you share yours, and you see theirs once they share back. Give each person read-only or read-and-write access, decide whether they may delete or split your transactions, and remove a connection at any time. Switch your Timeline to anyone who shares with you, search their transactions, see their spending in your budgets and insights, and hide any single transaction from the people you pick. YOUR TIMELINE • Expenses and income with a category, merchant, payment method and tags • Location and notes, and splitting one payment across categories • Your own categories, with more than 700 icons and any color • Your five most recent payment methods ready in a menu • Transactions grouped by day, with what each day cost • Recurring transactions for rent, salary or subscriptions, from daily to yearly • A second currency shown alongside your primary one • Search by text or category, and filter by date, amount, tag or place • Export to CSV, JSON or PDF, import from CSV or JSON, and restore from backups SEE WHERE IT WENT Your months sit side by side as a bar chart. Pick one to see its total, the change from the month before, your biggest expense, your top merchant, a day-by-day chart and your categories, for expenses or income. Group by tag, merchant, place, payment method or recurring transaction, choose several months, the whole year or a past year, and open any group for the details. BUDGETS AND SAVINGS Set a monthly budget and a budget for any category, and follow your progress. A marker shows how far through the month you are, so you can compare what you have spent with how much of the month has gone, and a row of months shows which ones stayed within budget. Plan across several months, and track savings accounts toward a goal. Turn on activity budgets to unlock spending through your Apple Health steps, running minutes and mindful minutes. ON IPHONE, IPAD AND MAC Everything stays in sync through your iCloud account. PayShare works offline and syncs when you are back online. Home Screen widgets show today's spending and this month's by category. PRIVACY Your transactions are stored in your own iCloud and shared only with the people you invite. PayShare sends anonymous usage events and crash reports to help improve the app; they never include amounts, merchants, notes or categories. Exchange rates come from a public currency service, and on iPhone and iPad the app asks Apple Ads whether an ad led to the install. Some features require PayShare Premium, offered as a monthly or annual subscription or a one-time purchase. A subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period; manage it in your Apple Account settings. Terms of Use: https://boogdan.com/apps/payshare/terms/ Privacy Policy: https://boogdan.com/apps/payshare/privacy/

Managing your money shouldn't feel like a second job. Moniva is your AI-powered financial assistant that automates budgeting, tracks expenses, and manages your freelance income all without manual data entry. Just talk to Moniva, snap a picture of a receipt, or upload a screenshot of your subscriptions, and our smart AI does the rest. WHY CHOOSE MONIVA? • Start Instantly: No email, phone number, or credit card required to start. Try Guest Mode immediately and see the magic for yourself. • 7-Day Free Premium: Everyone gets their first 7 days of Premium automatically unlocked. AI FINANCIAL ASSISTANT & OCR • Chat with your money: Just type "I spent $45 on groceries and $15 on an Uber," and Moniva categorizes and logs it instantly. • Smart Receipt Scanner: Snap a photo of any receipt. Our AI reads the merchants, dates, and line-item amounts to build your budget automatically. SUBSCRIPTIONS & BILLS MANAGER • Find & Manage: Upload a screenshot of your Apple or bank statement. Moniva auto-detects over 50+ popular subscriptions (Netflix, Spotify, ChatGPT, Gyms) so you can see exactly where your money is draining. • Never Miss a Payment: Get smart push notifications before your bills are due. BUILT FOR FREELANCERS • Project & Client Tracking: Finally, an expense tracker built for independent workers. Track project fees versus amounts actually paid. • Auto-Log Income: When a project is marked completed, Moniva automatically logs the payment to your income. GLOBAL MULTI-CURRENCY • Live Exchange Rates: Traveling or working with international clients? Keep accounts in different currencies. Moniva fetches live exchange rates to give you one unified "Net Worth" dashboard in your preferred base currency. DEBT & CREDIT TRACKER • Keep perfect tabs on who owes you money (debtors) and who you owe (creditors). Moniva will remind you when it's time to collect or pay. Take control of your personal and freelance finances today with Moniva. Take control of your personal and freelance finances today with Moniva. Privacy Policy: https://appmoniva.vercel.app/privacy-policy Terms of Service: https://appmoniva.vercel.app/terms-of-service