Lode vs Money & Expense Tracker

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

Lichy turns a sentence into a tracked expense. Type "coffee 4.50" or dictate it — Lichy reads the amount, the merchant and the category, and files it. No forms, no dropdowns, no five taps per purchase. HOW YOU ADD THINGS • Write it like a text message. One line, done. • Say it out loud instead of typing. • Snap a receipt and let Lichy pull out the total and the line items. • Pay with Apple Pay — set up the Shortcut once, and card purchases arrive on their own. WHAT YOU SEE • Today at a glance: everything you logged, newest first. • Charts by day, week, month or year. • Categories with real totals, not just colors. • Tap the headline currency to change the lens — every row, chart and total follows. MULTI-CURRENCY, DONE PROPERLY Spent in one currency, charged in another? Lichy keeps both: the amount on the price tag and the amount your bank actually settled. Rows show the truth, and the analytics still add up. SUBSCRIPTIONS AND BILLS Mark anything as recurring and Lichy keeps the chain going — next charge dates, monthly load, and a separate Regular view so fixed costs stop hiding between your groceries. LISTS Keep work apart from home, or a trip apart from the month. Every list carries its own totals. INCOME TOO Log what comes in exactly the way you log what goes out. WORKS OFFLINE Entries are saved on your device first and sync once you're back online. ——— SUBSCRIPTION Lichy Plus is an auto-renewable subscription, available monthly or yearly. It lifts the monthly AI limit on text and receipt recognition. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renewal in your Apple Account settings after purchase. Prices are shown in the app before you confirm and may vary by region. Privacy Policy: https://getlichy.com/privacy Terms of Use: https://getlichy.com/terms Support: https://getlichy.com/support