HarcamaAI vs Monisy

Snap a receipt and let HarcamaAI do the rest. It reads the store, the total and every item on the receipt, and saves your expense with its category. RECEIPT SCANNING Point your camera at a receipt and AI reads the store, date, total and items. Scan several receipts in a row, or take a photo now and have it read later. With Premium, receipt photos are saved to your account, so they stay with you even if you change phones. PERSONAL INFLATION Uses the item prices on your receipts to calculate how much more expensive your own basket has become, and puts it next to the official TÜİK and independent ENAG rates for the same month. See which item went up by how much and which store sells it cheaper. BUDGET AND MONTH-END FORECAST Set a monthly budget and category budgets. Based on your spending pace, HarcamaAI shows where you will be at the end of the month and how much you can spend per day to stay on budget. Regular payments like rent and bills don't inflate the forecast. REGULAR PAYMENTS Rent, building fees, bills and digital subscriptions on one screen. Get a reminder before each due date. Foreign currency subscriptions use today's rate, yearly ones are shown as a monthly amount. STORES AND PRICES See where you spend the most, your average basket and the items whose price changed since your last purchase. If you bought the same item at different markets, it finds the cheapest one and how much you could save each month. CURRENCY AND GOLD Buying and selling prices for the US dollar, the euro and gram, quarter, half, full and Republic gold. Convert between Turkish lira, foreign currency and gold, and see what this month's spending equals in grams of gold on the home screen. REPORTS Download the month's summary as a PDF report, and all your expenses and receipt items as a filterable Excel file. LIGHT AND DARK THEME Easy on the eyes in light and dark, switching automatically with your phone's setting. FREE - Manual expense entry, unlimited - Receipt scanning, 30 per month - Monthly and category budgets - Currency and gold prices, converter - TÜİK and ENAG inflation rates - Regular payments, up to 5 PREMIUM - Unlimited receipt scanning - Personal inflation - Month-end forecast - Store analysis and price changes - Where it's cheaper - Period comparison - Receipt photo archive - PDF and Excel reports - Unlimited regular payments and subcategories Premium is available as a monthly or yearly subscription, and the price for your country is shown before you buy. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage and cancel it in your App Store account settings. Privacy: https://harcamaai.app/privacy Terms: https://harcamaai.app/terms

Monisy is a budget planner and expense tracker that helps you take control of your money. Track expenses, set budgets, reach savings goals — all without giving your bank login to anyone. Your financial data stays on your phone, where it belongs. Most personal finance apps require bank credentials, Plaid integrations, or third-party syncs. Monisy doesn't. No bank login. No account or email required. No data leaves your device unless you choose to back it up. SMART AUTO-CATEGORIZATION Type a description and Monisy instantly suggests the right category. Built-in keyword matching across 15 languages, learning from your spending habits over time. No data sent to any server — categorization happens locally on your device. POWERFUL BUDGET TRACKING - Set monthly budgets per category (groceries, rent, dining, transport, anything) - Real-time tracking as you log transactions - Smart alerts at 80% and 100% of budget - See exactly how much you have left before you spend SAVINGS GOALS THAT WORK - Create unlimited savings goals (trip, emergency fund, new laptop, anything) - Set target amount and deadline - Monisy calculates how much you need per month to hit it - Watch real-time progress as you save FINANCIAL DASHBOARD (PREMIUM) 14 detailed analytics sections including category breakdown, balance trends, income vs expenses, top transactions, spending heatmap, monthly comparisons, savings rate, top merchants, and more. Filter by day, week, month, year, all-time, or custom range. Filter by account or view combined. 15 BEAUTIFUL THEMES Light, Dark, Christmas, Valentine, Halloween, Spring, Summer, Autumn, Winter, Ocean, Neon, Sunset, Cherry Blossom, Aurora Borealis, Midnight Gold. Switch between them anytime in 2 taps. Your money tracker should be an app you actually want to open. 4 HOME SCREEN WIDGETS See balance and monthly summary at a glance. Quick-add buttons for instant expense logging without opening the app. POWERFUL FINANCE TOOLS - Track income, expenses, and transfers across multiple accounts - 35 currencies with customizable exchange rates - Recurring transactions: set once for rent, salary, subscriptions - CSV export anytime (free), PDF reports (Premium) - Custom categories with icons - Search and filter transactions by date, category, label, or account AI INSIGHTS (PREMIUM) - Spending predictions: know what you'll spend before month ends - Anomaly detection: get alerted when something looks unusual - Monthly insights: spending patterns, savings rate, top categories PRIVATE BY DESIGN - All data stored locally on your phone by default - Optional Cloud Backup (Premium): private Google Drive backup, only you can access - Automatic backups: daily, weekly, or monthly - No ads. No tracking. No data selling. Ever. - PIN and biometric lock to protect access - Works completely offline (only Cloud Backup needs internet) ADDITIONAL FEATURES - 15 languages supported - Accessibility support including reduce motion - Local backup and restore - Push notifications you fully control - In-app feedback and help center WHY MONISY We built Monisy for people who want control of their money without trading their privacy. No bank logins. No third-party data sharing. No surveillance disguised as features. Just a beautiful, powerful budget tracker that works. PREMIUM (OPTIONAL) Monisy is free with powerful core features. Premium unlocks unlimited budgets, goals, recurring transactions and custom categories, all 15 themes, Financial Dashboard with detailed analytics, automatic Cloud Backup, AI insights, spending predictions, anomaly detection, PDF export reports, and early access to new features. - Monthly: $4.99/mo - Annual: $29.99/yr (save 50%) - Lifetime: $59.99 (one-time) Your money. Your phone. Your control. Download Monisy today and start tracking smarter.