Expensa vs Kial

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

Kial brings your whole financial life into one calm, beautiful app — and it's as simple or as powerful as you want it to be. Log an expense in seconds with nothing but an amount, then add categories, merchants, budgets, savings, and recurring bills only if and when you want them. Simple by default, as rich as you need. Money management that finally feels modern: fast, elegant, and built around how you actually live. Track what you earn and spend, see exactly where your money goes, and make the whole thing your own. JUST SAY IT — THE VOICE ASSISTANT Talk to Kial instead of typing. Say "add 150 at the store," "I got paid today," "put 500 into my trip fund," or "I pay rent every month," and it fills in the entry for you — always editable before you save. And you can ask it things: "how much have I spent this month?", "where do I spend the most?", "what are my biggest expenses?", "how are my savings going?" It answers from your own data, on the spot. SIMPLE TO START, POWERFUL TO GROW - Log an expense with just an amount — no required fields, no friction - Add categories, merchants, and notes only if you want them - More depth is always there when you need it, never forced on you ALL YOUR MONEY, ONE APP - Track income and spending together — what comes in, what goes out, what's left - See spending by category, merchant, and day - Budgets, savings goals, and recurring bills, all in one place YOUR ACCOUNTS & CARDS - Create your accounts — cash, bank, credit cards — and watch real balances - See your net worth at a glance - Move money between accounts, and pay a card in two taps - Credit cards done right: limit, utilization, and statement & due-date reminders A DASHBOARD THAT'S TRULY YOURS Build your home screen from a library of 31 widgets — net worth, account balances, top categories, spending activity, upcoming bills, savings progress, no-spend streaks, and more. Arrange the view that actually matters to you. IMPORT YOUR BANK STATEMENT Start with your history instead of an empty app. Bring in a statement as a PDF, a few screenshots, or a CSV, and Kial reads every transaction and lists them for review before anything is saved. Password-protected PDFs work too. Keep what you want, and one tap undoes the whole import. No bank login and no connection to your bank — just a file you already have. SCAN A RECEIPT Point your camera at any receipt and Kial reads the merchant, items, totals, and date for you — no typing required. BUDGETS THAT STICK Set budgets for one category, a group of them, or your whole month, and follow your progress with clear, friendly gauges. SAVINGS GOALS Set a goal, give it a target, and see exactly how close you are each month. NEVER MISS A BILL Add recurring expenses and income so subscriptions, rent, and paychecks are always accounted for. TAGS, YOUR WAY Label any expense or income with your own tags — a trip, a project, a person — and filter by them whenever you want. WORKS WITHOUT A CONNECTION Log expenses and income, adjust budgets, and browse your history with no signal at all — on a plane, on the subway, travelling abroad. Everything you add is saved on your phone and syncs by itself the moment you're back online. BEAUTIFUL IN EVERY DETAIL - Works in 47+ currencies - Gorgeous light and dark themes - Available in 8 languages - Designed for iPhone and iPad - Fast, smooth, and built to feel native Private by design — we never sell your data, and your financial information stays yours. Free to download. Open Kial and see your money clearly.