Expense Tracker vs Lode

An expense and income tracker that starts where your money actually is: the statement your bank already gives you. MoneyFlux reads it on your phone and turns it into a ledger you actually own — spending, subscriptions, debts, net worth, and trading calls, side by side. No sign-up, no ads, no trackers. If you've ever abandoned a finance app because it wanted an account, your email and a linked bank login before it showed you a single number — this one is for you. SIX BANKS, PLUS OFX — FIRST IMPORT FREE • OFX, QFX or QBO from any bank — the standard download many banks offer • MoneyFlux spots the format from the file — PrivatBank and MonoBank CSV, Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF • Recategorize, annotate and tag any row before you commit it • Duplicates are skipped, so nothing lands twice Not affiliated with any bank. Statement import is manual: you export the file yourself and pick it. MoneyFlux never connects to a bank account and never asks for a banking login. LOGGED AS YOU PAY • On iPhone, a Shortcuts automation saves in-store Apple Pay taps to the right account EIGHT CURRENCIES, HONESTLY • UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side • Totals are grouped per currency — never fudged into one figure by an exchange rate the app invented NET WORTH THAT POINTS SOMEWHERE • Capital sorts what you own by direction of cash flow, not by price • Good capital pays you. Bad capital costs you: annual income minus annual holding cost • The same apartment lands on opposite sides depending on whether it is rented out or lived in • Snapshots, growth over time and portfolio health — PREMIUM RECURRING BILLS AND DEBTS, ONE LIST — PREMIUM • Everything you are on the hook for — subscriptions and money lent to real people — with a monthly and an annual total • A banner three days before something charges. A banner when someone is late • Repayment shortcuts, and a forgive flow that closes a loan without erasing its history AUDIT THE TRADER YOU FOLLOW — PREMIUM • Positions is a journal for crypto and trading calls — and a scorecard for whoever's calls you follow • Three records side by side: what was claimed, what his own quoted prices imply, and what your money actually did • It counts the calls that never closed. Most channels do not 63 PRINCIPLES ON MONEY • Short ideas from Franklin, Rockefeller and our own; a paraphrase is never passed off as a quote ANALYTICS AND EXPORT — PREMIUM • Spending analytics with period-over-period comparison • CSV, PDF and a full JSON backup you can restore from, by merge or replace PRIVATE BY CONSTRUCTION • You approve what leaves: a subscription receipt, plus a summary of your totals if you turn the assistant on • Your statement is read on your phone; the file is never uploaded • Records sync to your own private iCloud through Apple's CloudKit, where only you can read them • Face ID lock — and you can delete every record, iCloud copy included, in a tap MONEYFLUX PREMIUM • Free forever: the whole ledger, analytics for one period, your asset list, iCloud sync, the app lock — and your first bank statement import • Premium is every section marked above, starting with every statement after the first • Subscribe once and export stays yours for good — Payment is charged to your Apple Account at confirmation of purchase. — Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. — Manage or cancel anytime in Apple Account Settings. PRIVACY & TERMS Terms of Use (Apple's standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://moneyflux.app/privacy/ QUESTIONS? IDEAS? Email: support@moneyflux.app Or send feedback straight from the app — Settings, then Support. MoneyFlux is a record-keeping tool. It does not provide financial or investment advice.

Lode is an AI expense tracker that turns plain language into clean personal finance records. Type "coffee 5" or just say what you spent — Lode creates the transaction for you. No long forms, no menu diving. AI detects the category, amount, date, note, and currency, then keeps your money organized. SMART, EFFORTLESS ENTRY - Natural language: write or speak a few words, get a ready transaction - Scan receipts — AI reads the amount, store, and date - Learns your habits for faster, more accurate categorizing ASK LODE ANYTHING - Chat with Lode about your money — "How much did I spend on coffee this month?" - Get plain-language answers about balances, budgets, and trends - Ask hands-free with Siri, too SEE WHERE YOUR MONEY GOES - Income and spending statistics, side by side - Daily cost and daily income, trends, and category breakdowns - Smart insights that explain your numbers in plain words PLAN AHEAD - Budgets with alerts before you overspend - Bills and reminders so nothing slips - Savings goals with progress tracking - Debts — who owes whom, and how much is left BUILT FOR REAL LIFE - Multiple currencies with live exchange rates and a built-in converter - Shared accounts for family or partners, synced across devices - Home Screen, Lock Screen, and Control Center widgets - Siri Shortcuts to add transactions, check balances and budgets, or hear a monthly report - Smart import from CSV, Excel, or other finance apps — AI maps your data automatically PRIVATE BY DESIGN - Your data syncs securely through iCloud - No ads, no selling your data Start with a few words. Lode does the rest. Terms of Use (EULA): https://lodeapp.framer.website/term-of-use Privacy Policy: https://lodeapp.framer.website/privacy-policy