Expensa vs Sift

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

Your Money just disappears? By the 23rd you look at your balance and wonder where it all went. Sift is a spending tracker that answers that question in one sentence. THE SIMPLE MODE Tap the S and Sift tells you the single thing worth knowing about your month you're over budget, a category jumped, a small habit is quietly adding up and draws the one picture that explains it. Not twelve charts: one number, one sentence, one chart. LOGGING THAT DOES ITSELF • Your bank's notifications: on iOS 27, one tap adds Sift's ready made automation. Switch it on in Shortcuts and every purchase your bank tells you about is logged amount, shop and category • Amounts in other currencies are converted at the day's rate, with the original kept beside it • Say it "twelve fifty at the bakery, eight for parking" and every purchase is logged • Snap a paper receipt and Sift reads the total • Screenshot your banking app and every line lands categorised • Import a CSV from Revolut, Trading 212, Wise and most banks • Press and hold the Sift icon to log, scan or say a purchase in one step BUDGETS THAT WARN YOU IN TIME Set a budget for the month or for any category weekly, monthly or yearly. Sift warns you while you're heading over, not after. A weekly check-in keeps your balance honest, and money coming in has its own place. NEVER MISS A RENEWAL Sift spots repeating charges on its own the ones you forgot you signed up for and warns you the day before the money leaves. SPLIT WITH ANYONE Split any purchase, keep a running balance per person, and mark it settled when they pay you back. No accounts, no invites no one else needs the app. BEFORE YOU SIGN A LOAN Add a loan and Sift tells you what's actually left each month once the payment is out. AN AI COACH THAT KNOWS YOUR NUMBERS Ask "can I afford this?" in plain words. Every answer is worked out from your own spending, and most are answered right on your iPhone. MAKE IT YOURS Themes, logos for the shops you know, and a choice of app icons starring Sift's mascot. WIDGETS Today's spending and what's left, on your Home Screen and Lock Screen. PRIVATE BY DESIGN Your purchases live on your iPhone. Reading receipts and notifications, cleaning up shop names, categorising and building the insights all happen on the device. There's no account, no ads, and nothing is ever sold. Anonymous usage counts help me improve Sift — never amounts, shops or anything you type — and you can switch them off in Settings ▸ Privacy. MADE BY ONE PERSON I'm a student, and Sift is the app I wanted and couldn't find. I read every email you send. If something is wrong or missing, tell me and I'll fix it. SIFT PRO Logging your spending is free. Pro adds the Simple mode, the deep dives, subscription alerts, splitting, loans, widgets and the AI coach. Try it free for 3 days. Available in English, Spanish, French, German and Italian.