Fiscify vs Zpent

AI expense tracker without bank linking. Log by voice, scan receipts, import statements, and see your Financial Health Score. Fiscify is the personal CFO for people who could never afford one. Powered entirely by your own data. Spot wasted subscriptions, stick to a budget, and know exactly what to do next. Talk or type in plain English; our AI parses amounts, categories, and dates so you spend less time logging and more time understanding your money. WHY FISCIFY? • Natural language first: Type or speak a sentence like "$45 on sushi at Blue Fin last night" and the app fills in amount, payee, category, and date. No forms. (Free: 100 entries/month. Unlimited with Fiscify Plus.) • AI expense tracker: Intelligent extraction understands "coffee at Starbucks $5.99," "gas 32.50 Shell," and bulk entries so you can log in seconds. • Receipt scanner: Snap a photo of any receipt. AI extracts total, merchant, date, and category and creates the transaction for you. (Free: 15 scans/month. Unlimited with Fiscify Plus.) • Statement import: Upload bank statement PDFs, Excel, or CSV. AI extracts transactions so you can review and add them in one go. (Free: 3 imports/month. Up to 10/month with Fiscify Plus.) • Voice expense entry: Speak your expense hands-free; speech-to-text plus AI parsing means you can log on the go. • Budget planner that sticks: Set monthly budgets by category, see progress at a glance, and stay on track with a clear dashboard. (Free: up to 2 budgets. Unlimited with Fiscify Plus.) • Financial Health Score: One score for your spending control, budget adherence, savings rate, and debt trajectory, with a clear next step to improve it. (Free: current score. Fiscify Plus unlocks your full score history.) • Subscription Hunter: Fiscify scans your transactions for recurring charges from streaming, apps, and memberships, so you can spot subscriptions quietly draining your budget and cancel what's not worth it. • Recurring bills, tracked automatically: See exactly when every recurring bill or subscription is due next. (Fiscify Plus catches more repeating charges and lets you choose when you get nudged.) • Debt payoff timeline: See every balance in one place with an estimated payoff date based on your own payments. (Fiscify Plus adds what-if scenarios for extra payments.) • AI-powered financial insights: Ranked, descriptive insights into your spending, budget recommendations, and anomalies. Unlock unlimited insights with Fiscify Plus. • One dashboard: Account balances, budget overview, cash flow (Sankey), Spending Runway, top categories, latest transactions, and duplicate/uncategorized surfacing. • Full expense control: Edit categories, add notes and tags, attach receipts, and manage multiple accounts. (Free: up to 2 accounts. Unlimited with Fiscify Plus.) • Transaction history: Free plan includes 90 days of history. Fiscify Plus unlocks your full history. Fiscify is built for people who want intelligent finance without the hassle: natural language and AI do the heavy lifting so you can focus on your financial health and goals. FISCIFY PLUS SUBSCRIPTION Fiscify Plus is an auto-renewable subscription that unlocks the full experience. • Monthly plan: $7.99/month • Annual plan: $49.99/year Payment will be charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscription at any time in iPhone Settings > Apple ID > Subscriptions. No refunds for the unused portion of a term. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fiscify.com/privacy-policy

Stop manually categorizing transactions. Zpent does it instantly. Categorizing transactions is one of those tasks everyone knows they should do — and nobody wants to. It's tedious, time-consuming, easy to fall behind on. Zpent makes it disappear. Import a PDF, CSV, XLS, XLSX, OFX, or QFX from any bank, and Zpent's AI categorizes every transaction in seconds. 17 smart defaults, unlimited custom categories, and the model learns from your corrections. What used to take an hour now takes seconds — and seeing your spending actually organized feels surprisingly satisfying. SAFE TO SPEND One clear number: exactly how much you can comfortably spend right now, factoring in your monthly budget and upcoming commitments. No spreadsheet, no math. Just a glance. EXPENSE HEATMAP A color-coded calendar of your spending patterns. Spot which days and weeks actually drain your wallet — at a glance. AI ASSISTANT Ask plain-English questions: "How much did I spend on restaurants last month?" or "Am I on track with my grocery budget?" Instant answers, grounded in your real data. BUDGETS THAT LEARN FROM YOU AI-suggested limits based on your actual spending history. Adjust as you go, copy from previous months, get visual breakdowns by category. UNIVERSAL IMPORT PDF, CSV, XLS, XLSX, OFX, QFX. Any format from any bank in 150+ currencies, with automatic format, currency, and date detection. SCHEDULED PAYMENTS Track recurring payments — subscriptions, rent, salary — with calendar reminders, "due this week" alerts, and the ability to skip individual occurrences. PRIVACY, FIRST CLASS Encrypted in transit (TLS 1.2+) and at rest (AES-256). GDPR compliant. SOC 2 Type II infrastructure. Your financial data is never used to train AI models. Ever. FAMILY & COLLABORATORS Share view-or-edit access with a partner, accountant, or family member. Everyone stays on the same page. Privacy policy: https://zpent.io/privacy Terms of use: https://zpent.io/terms Support: support@zpent.io