Fiscify vs Le Rat

AI expense tracker without bank linking. Log by voice, scan receipts, import statements, and see your Financial Health Score. Fiscify helps you manage your money with no bank login. 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

Never really sure where your money goes? You're not alone. Snap a receipt or type an amount: Le Rat sorts everything, and you finally know where you stand. No spreadsheet, no bank connection, no lectures. Just a cap-wearing miser keeping an eye on your budget. WHY LE RAT? - An expense logged in two seconds, or a receipt photo split into lines, sorted effortlessly. - 152 currencies: every expense locks its rate on the day, your history never changes. - A coach that reacts to every expense in one line, with legendary candor. STOP HUNTING FOR YOUR EXPENSES …and start seeing them coming - Receipt scanner: lines detected, amounts and categories suggested - Manual entry in two seconds when you prefer - Journal, categories and charts update themselves STOP FIGHTING CURRENCIES …and travel without converting in your head - Budget and expenses in different currencies: made for travellers and expats - Rate locked at entry: your history stays exact, forever - Built-in currency converter, even offline STOP FORGETTING YOUR BILLS …and let Le Rat post them for you - Rent, subscriptions, bills: tracked and posted when due - Accounts and net worth: bank, broker, crypto, cash, valued in your currency - Net-worth health: how many months of spending your accounts cover START SPENDING WITHOUT GUILT - Daily and monthly safe-to-spend, readable in two seconds - Quests to get started and a daily streak to keep the habit - The rat comments on your spending, one line, never a lecture YOUR DATA STAYS YOURS No bank connection, no bank credentials, no resale. Export or delete your account from the app, at any time. 1-MONTH TRIAL WITH THE YEARLY PLAN Two subscription plans, monthly and yearly. The yearly plan starts with a free one-month introductory offer for eligible Apple IDs, as determined by Apple. Both renew automatically and can be cancelled in your App Store account settings. The exact price for your country is shown in the app before any payment. Subscription details: - Auto-renewable subscription, monthly or yearly. - Payment is charged to your Apple account at confirmation of purchase. - The subscription renews unless cancelled at least 24 hours before the end of the current period. - Renewal is charged within the 24 hours before the end of the period. - Manage or cancel your subscription in your App Store account settings. - Any unused portion of a free trial period is forfeited when you purchase a subscription, where applicable. The coach is a fictional character: its remarks are generated automatically and are not financial advice. Terms: https://lerat.app/conditions Privacy: https://lerat.app/confidentialite