Lode vs EveryPenny

Lode is the AI budget and expense tracker for iPhone. It logs payments from your bank’s notifications and Apple Pay, keeps budgets, bills and trips in check, and stores everything in your own iCloud. PAY AS USUAL. LODE WRITES IT DOWN Your bank already sends a notification for every payment. Lode turns each one into a transaction — no typing, no bank login. - You pay: By card, online or with Apple Pay. Your bank sends its usual notification. Bank notifications need iOS 27; Apple Pay works on iOS 18 and later. - Lode logs it: Amount, merchant and category — income too — without you opening the app. - It asks when unsure: Cash from an ATM, or a charge that may be one of your bills? One tap in a notification decides. FAST TO LOG. EASY TO PLAN - AI chat, voice and receipts: Type “coffee 5”, say it out loud or snap a receipt. Lode fills in the category, currency and date. Premium, with 3 free voice entries a month. - Budgets that fit your payday: An overall budget, limits per category and an income plan — with the month starting on the day you get paid. - Bills and subscriptions: Recurring payments are logged on schedule, and a free trial ends with a reminder, not a surprise charge. - Goals and debts: Save toward a trip or a laptop at your own pace, and keep track of who owes whom. - Shared accounts: Share an account with a partner or family through iCloud. Everyone keeps their own accounts private. Sharing needs Premium; joining is free. - Statistics and reports: See where the money goes by category, day and trip, and export the month as a PDF report. - Import a CSV, Excel or PDF bank statement, or an export from another finance app — Lode recognizes the columns and uses Lode AI for unusual layouts and PDFs. EVERY TRIP BUDGETED. EVERY COUNTRY STAMPED Set the country and dates, and every expense on those days goes into the trip — in any currency, against its own budget. - See what a day on the road cost, place by place - A passport stamp for every country, and how much of the world you’ve seen - Your trip on the Lock Screen as a Live Activity - 150+ currencies, booked at the rate of the day you paid WORKS THE WAY YOUR iPhone DOES - Siri & Shortcuts: “Log expense in Lode” — hands-free. - Widgets: Balance, budget and spending on your Home and Lock Screen. - Live Activities: The trip you’re on, right on the Lock Screen. - iCloud sync: Your iPhone and iPad, always in step. - Hide amounts: Tap the balance to cover every figure before you hand the phone over. NO BANK LOGIN. NO ACCOUNT. NO TRACKING - No bank password: Lode never connects to your bank. Payments come from the notifications already on your iPhone. - No account: No sign-up and no email. Open the app and start. - Your iCloud, not our servers: Your data lives on your iPhone and syncs through your own iCloud. - No ads or trackers: Nothing is sold or profiled. AI only sees what you send it, and nothing is stored. START FREE. UPGRADE WHEN YOU'RE READY Core tracking and automatic logging are free forever. Premium unlocks Lode AI, deeper insights and no limits. Know where your money goes. Always. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy

There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total. WHAT EVERYPENNY DOES • One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet. • Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw. • Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank. • Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month. • Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you. • Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always. • Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture. • Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up. • Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders. ON PRIVACY EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy. WHO IT IS FOR EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now? If your finances live in more than one place, EveryPenny is the one place to see all of them. TO GET STARTED Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly. Terms of Use (EULA): https://everypennyapp.com/terms Privacy Policy: https://everypennyapp.com/privacy