Expensa vs Elixir

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

Elixir helps you build money habits that last when life gets messy. Connect your US bank accounts, review your spending, and take one small next step each week. Harmony Score shows whether your plan still fits the week you actually had. BUILD A WEEKLY MONEY HABIT Money changes every week. Your plan should last when the week gets messy. Elixir turns your transactions into small, practical actions. Review spending, confirm categories, check your Harmony Score, complete a weekly challenge, and move toward a savings goal. Better decisions, kept up, beat a perfect month you abandon. YOUR HARMONY SCORE See your financial life through one simple number. Harmony Score is 0 to 100. It reflects how your spending, saving, and follow-through line up with the plan you set. It is not a credit score. Credit bureaus never see it. Follow progress over time. Keep a streak. A freeze can cover a missed day. SPENDING THAT MAKES SENSE Connect supported US accounts securely through Plaid, or add accounts by hand. Elixir organizes your transactions and suggests categories. Confirm a suggestion with a tap, or correct it and Elixir remembers. See where money is going, spot changes, and notice which categories put pressure on your plan. A BUDGET YOU CAN ADJUST You should not have to start from a blank spreadsheet. Elixir can suggest category budgets from your spending history. Change them when your priorities change, reset the plan, or carry it into the next month. A budget here is a guide you approved, not a verdict. ASK ELIXIR Get answers from your own transactions, not generic money tips. Ask things like: “Where am I overspending?” “How much did I spend on restaurants?” “What was my income in May?” “Can I afford this?” The assistant is informational. It is not financial, investment, tax, or legal advice. SAVE TOWARD WHAT MATTERS Create savings goals and track progress over time. Emergency fund, a trip, or something larger: Elixir helps turn a distant target into weekly progress you can see. SEE THE BIGGER PICTURE Home brings the useful pieces together: • Net worth • Monthly income and spending • Accounts and balances • Recent transactions • Budgets • Savings goals • Spending reports • Recurring payments • Money lent and borrowed PRIVATE BY DESIGN Lock the app with Face ID or a PIN. When you connect a supported bank, Plaid handles the connection. Elixir does not store your bank login. Elixir does not sell your financial data or use it for advertising. ELIXIR PREMIUM Elixir Premium is an optional auto-renewing subscription. It includes unlimited Elixir assistant use, full reports and insights, goals, debts, and recurring payment tracking. Eligible months may earn Harmony Credits, which can reduce the amount due at a future renewal, subject to program terms. Credits are loyalty credit on the subscription. They are not cash and cannot be withdrawn. Monthly and Annual plans are available. New subscribers get a 14-day free trial with no charge. After the trial, monthly is $9.99/mo. Annual list is $89.99/year. While the Founding Member offer is open, annual is $49.99/year and stays at that price until you cancel. The price for your region is shown in the app before purchase. Payment is charged to your Apple Account when you confirm. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Terms of Use: https://elixirfinance.app/terms Privacy Policy: https://elixirfinance.app/privacy