Expensa vs Skarbo

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

Skarbo is the budget and expense tracker that does the typing for you. Snap a receipt — AI reads the store, date, total and every line item, then sorts it all into categories. Import a bank statement — and see the full picture of your money. RECEIPT SCANNING — Store, date, total, items and categories from a single photo — Handles discounts and promo prices — Reads receipts in different languages and currencies — Batch scanning: up to 10 photos at once — Uncertain fields are highlighted for a quick check — Skarbo learns from your corrections BANK STATEMENT IMPORT — CSV and XLSX files from your bank — Columns and account currency detected automatically — Auto-categorization, with your own rules always winning — Transfers between your accounts and cash withdrawals are filtered out; duplicates are caught — A review screen before anything is saved THE FULL PICTURE — Where your money goes: categories, months, merchants — A monthly budget and smart reminders — Spot subscriptions and recurring bills before they renew — Ask in plain words: "how much did I spend on clothes in July?" — Search across all purchases — A home screen widget with this month's total ANY CURRENCY — Receipts and statements in different currencies, together — Converted at the historical rate on the purchase date, not today's — Travel, relocation, shopping abroad — the numbers add up PRIVACY WITHOUT FINE PRINT — No account, no sign-up — Bank statements are parsed right on your phone — Card and account numbers are stripped before anything leaves the device — Receipt photos go to a secure AI service for recognition only — never into any shared database — Delete your data anytime 8 LANGUAGES English, Ukrainian, Russian, Spanish, Portuguese (Brazil), German, French, Italian. FREE & PREMIUM Free: unlimited statement imports, a budget, reports, search, the widget and 10 receipt scans per month. Premium: unlimited scanning plus AI insights and questions about your spending. Free trial included. Subscriptions renew automatically and can be cancelled anytime in your App Store settings. Skarbo — see where your money really goes. 

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://skarbo-legalprivacy.netlify.app