Expensa vs spnd

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

spnd is the personal finance app built for people who want clarity, not complexity. No syncing to the cloud. No ads. No subscriptions required to see your own data. Just a clean, fast way to know exactly where your money goes every day. TRACK EVERYTHING Log expenses, income, and transfers in seconds. Organize by category, account, and date. See your full financial picture at a glance from the home screen. BUDGETING THAT WORKS Set a monthly budget and spnd automatically breaks it down week by week. Always know how much you can spend today without blowing the month. Get notified before you go over not after. SAVE FOR WHAT MATTERS Create savings goals for anything a trip, an emergency fund, a new laptop. spnd calculates exactly how much to set aside each week or month to get there on time. ALL YOUR ACCOUNTS, ONE VIEW Add checking, savings, credit, and cash accounts. Choose which ones count toward your main balance. See credit utilization, debt vs. limit, and net worth at a glance. BUILD THE HABIT A daily streak tracks every day you log a transaction. A configurable reminder keeps you consistent. Small actions, compounded daily, change your financial life. PRIVATE BY DESIGN Everything lives on your device. Your transactions, your accounts, your goals none of it touches our servers. Ever. Face ID and Touch ID keep your data yours, and only yours. Built with SwiftUI for iOS 17+. Supports Dynamic Type, Dark Mode, widgets, and Shortcuts automation for power users. spnd doesn't try to do everything. It does the things that matter beautifully, privately, and without getting in your way. Your finances, in order. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/