Fiscify vs Local Budget

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

Local Budget reads credit card statements on your iPhone and builds a budget from them. Input is the PDF or CSV your card issuer provides, or Apple Card through Apple Wallet. There is no account, no bank login and no server: parsing, storage and analysis all run on the device, and statement import works offline. INPUT • PDF statements, including scanned or photographed ones, read with on device text recognition • CSV exports. Column layouts are detected and remembered per card • Password protected PDFs • Import from the Statements tab, or the Share sheet in Files, Safari and Mail • Duplicate transactions are skipped if you import the same statement twice • Card payments are detected and left unticked, so paying the bill isn't counted as money in • The parsed total can be checked against the statement's printed total APPLE CARD (US) • Reads booked Apple Card transactions through Apple Wallet, with your permission • Syncs each time the app opens. Pending transactions are added once they settle • Apple Card only. Apple Cash and Savings are not read • Card payments are not stored. Refunds and statement credits are • Dates already covered by an imported Apple Card statement are not added again • Revoke access in Settings and the app deletes its Apple Card data CATEGORIES • One category per transaction. Labels are separate, any number per transaction, for grouping across categories such as a trip or a project • New transactions are categorized in this order: your rules, your past choices for that merchant, a built in list of over 250 common merchants, then Apple Card's merchant type. No match means no category • The import preview shows every category before anything is saved. Change any of them, or undo after • A category you set is never overwritten • Categorize by Merchant groups uncategorized spending by merchant, largest first. One choice covers every transaction from that merchant and adds a rule for future imports ANALYSIS • Home: the latest month's total, categories and merchants, compared with the previous month and your average • Spending by day, week, month or year over a range you choose • Saved filters, compared over time • Category, merchant and budget figures open the transactions behind them • Home screen widget BUDGETS AND BILLS • Monthly budgets by category or label, with optional rollover • Savings goals with the monthly amount needed • Recurring charges detected from your history, with reminders before the due date • Income, net worth and 17 currencies DATA AND SECURITY • Optional Face ID or Touch ID lock. No ads, no analytics, no tracking • Backups are encrypted with 256 bit AES (GCM). The key is derived from your password with PBKDF2 at 210,000 iterations and a new random salt for every file. Passwords are at least 12 characters • The backup password is kept in iCloud Keychain, so a new iPhone opens your backups without typing it, or on this iPhone only. Your choice • CSV export for spreadsheets (not encrypted), and delete all data in one step Free for the first 150 transactions. Local Budget Pro removes the limit, monthly or yearly, and the price for your region is shown before you buy. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Manage or cancel in your App Store settings. A statement didn't import correctly? Email localbudget@tripletnotes.com with the card issuer's name. Don't attach the statement, and never send account or card numbers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://localbudget-app.netlify.app/privacy