Pockly vs PennyFi

Pockly is the smart expense tracker that doesn't just record, it tells you where you're headed BEFORE it's too late. SMART FORECAST Every month Pockly analyzes your habits and predicts how much you'll spend by month-end, category by category. Don't wait until the 31st to discover you've blown your budget. PERSONALIZED AI INSIGHT Your personal financial assistant. Every month, receive AI-powered analysis based on your real data: where you're overspending, where you can save, what's changing. UNDERSTANDS YOUR PATTERNS Spending heatmaps, cumulative trends, analysis of your most expensive days. Stop guessing — start understanding. BUDGET THAT WORKS Set a total or per-category budget. Pockly warns you before it's too late, not after. SIMPLE TO USE Add an expense in 3 seconds. No bank sync, no permissions, no complications. WHAT YOU GET: • Unlimited expense tracking • Total & per-category budgets • AI Smart Forecast (Pro) • Monthly personalized analysis (Pro) • Heatmap & advanced analytics (Pro) • CSV export (Pro) • Automatic recurring expenses • Daily reminder • Light & dark mode • EUR, USD, GBP support Start free. Upgrade when you're ready. Developed by Angaca Labs. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

PennyFi — your money, in your pocket, on your terms. Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands. KNOW WHAT YOU CAN SPEND • Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals • Cash flow forecast: see your balance weeks ahead, before the bills hit • A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more BUDGET YOUR WAY • Guided Budget Builder: answer a few questions, get a working budget • Classic methods (50/30/20 and friends) or fully custom categories • Budget calendar, spending pace, and gentle alerts before you overshoot • Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed EVERY ACCOUNT IN ONE PLACE • Cash, savings, credit cards, loans, and investments — in any mix of currencies • Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split • Investment portfolios with live prices and performance history EFFORTLESS ENTRY • Scan a receipt — amount, payee, and line items are filled in by on-device AI • Import bank statements from CSV or PDF, with smart duplicate detection • Rules auto-categorize as transactions arrive; PennyFi even suggests the rules • Split one purchase across categories, tag anything, log by voice with Siri • Review: sweep new transactions in a quick card session — and note how the spending felt UNDERSTAND YOUR MONEY • Ask PennyFi anything about your spending — answered privately, on your device • Smart Insights that stay calm: snooze them or dismiss them for good • Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money • Reflect: beautiful reports on where it all went, month by month and year by year LIFE ADMIN, HANDLED • Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due • Shared expenses with friends and settle-up math done for you • Savings goals with target dates and progress you can see PRIVATE BY DESIGN • No bank connections — that's a feature: nothing to breach, no credentials to hand over • Face ID / Touch ID app lock • iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep AT HOME ON EVERY DEVICE • Built natively for iPhone, iPad, and Mac • Widgets for Safe to Spend, net worth, and more • Siri Shortcuts, global search, and full keyboard support on Mac • Available in 30 languages One price. Every feature. Forever. That's the deal.