Expensa vs EveryPenny

Track money without handing over your bank password. Expensa is a private budget and expense tracker built for iPhone. Set up one Shortcut and every card tap lands in your budget automatically. AI builds your first budget in seconds. Works in 150+ currencies. Syncs via iCloud — and only iCloud. No bank linking. No data brokers. Your money stays on your devices. ------------------------------------------------- WALLET + SHORTCUTS — AUTOMATIC TRACKING ------------------------------------------------- Set up one Shortcut; every card tap in Wallet logs a transaction Works with Apple Card and any card you've added to Wallet Auto-categorized from your history, with AI Alerts if a purchase pushes you over a category limit No polling a bank, no waiting for statements ------------------------------------------------- BUDGETS THAT ACTUALLY WORK ------------------------------------------------- Always know what's left — live progress bar on your dashboard A limit for every category (groceries, dining, transport…) Alerts before you overspend, not after Monthly, weekly, or custom cycles — auto-rollover each cycle Smart Allocation: tell Expensa your budget, AI splits it across categories based on your region and spending habits ------------------------------------------------- SEPARATE WALLETS FOR SEPARATE LIVES ------------------------------------------------- Keep personal, household, business, and trip budgets fully isolated. Switch spaces with one tap. Invite family or your partner to shared spaces — real-time sync via iCloud, no extra accounts to create. ------------------------------------------------- BUILT FOR TRAVELERS & EXPATS ------------------------------------------------- 150+ currencies with live exchange rates Original amount + converted amount both stored Per-transaction historical rates — accurate reporting forever ------------------------------------------------- PRIVATE BY DEFAULT ------------------------------------------------- No bank login, no Plaid, no third-party aggregators iCloud sync on your Apple ID — that's it Offline-first: log now, sync later Works on iPhone ------------------------------------------------- EVERYTHING ELSE ------------------------------------------------- Recurring transactions (rent, subscriptions, salary) Tags, categories, folders, custom merchant rules CSV, PDF, TXT import/export — move in from any app, out anytime Net worth across accounts and currencies Dashboard, calendar heatmap, category/tag analytics Optional receipt scanning for the rare paper moment Dark mode, Dynamic Type, VoiceOver, localized (EN, UK) ------------------------------------------------- FREE, OR GO PREMIUM ------------------------------------------------- Free: 1 space, 2 accounts, 3 recurrences, 5 receipt scans Premium: unlimited spaces & accounts, 30 scans/mo, AI categorization, category budgets, analytics, shared spaces, multi-currency entry. Your money. Your rules. Your devices. Terms of Use: https://getexpensa.com/terms.html Privacy Policy: https://getexpensa.com/privacy.html

There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total. WHAT EVERYPENNY DOES • One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet. • Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw. • Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank. • Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month. • Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you. • Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always. • Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture. • Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up. • Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders. ON PRIVACY EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy. WHO IT IS FOR EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now? If your finances live in more than one place, EveryPenny is the one place to see all of them. TO GET STARTED Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly. Terms of Use (EULA): https://everypennyapp.com/terms Privacy Policy: https://everypennyapp.com/privacy