Lode vs Obolos

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

Obolos is an expense tracker that lives on your iPhone. Your records are kept on the phone itself, with a copy in your own iCloud, so the app opens instantly and works offline — on a plane, abroad, anywhere without signal. LOG SPENDING IN SECONDS Four ways in, all a tap away: • Keypad — with a calculator built in, so you can add up a bill as you type. • Receipt — point the camera and your phone reads the total, on the device. (Premium — every account gets three free scans.) • Text & voice — type or say "coffee 4.50, taxi 12 and groceries 38.20", check the three expenses, add them in one go. (Smart mode, Premium — every account gets five free tries.) • Apple Pay — a one-time Shortcuts automation logs each card payment as you pay, to the right account, and asks for the category. DROP IN A STATEMENT Upload a bank statement as PDF, CSV or XLSX. Obolos compares it with what you have already logged and adds only what is missing — no duplicates and no bank login. (Premium — your first statement is free.) SEE WHERE YOUR MONEY GOES Spending by category and by day, your balance over time with upcoming payments ahead, and Insights that tell you whether this month is a normal one. Week and month views for this month and last are free; the year view, older months, forecasts and Insights are Premium. EVERY CURRENCY, ONE TOTAL Accounts in any of 159 currencies, each kept in its own. Totals convert to your main currency at daily rates, and a transfer between currencies is one operation at the rate you actually got. WHAT THE TRIP REALLY COST Set the dates and the spending inside them joins the trip: the total in the local currency and in yours, per day and by category. AND THE REST • Planned payments — rent, subscriptions, salary — with reminders that come from the phone itself, even offline. • Savings goals — each goal is a real account you transfer money into. • Balance adjustment — enter what the account really holds and Obolos records the difference. • Monthly category budgets with alerts (Premium). • CSV and JSON export (Premium). • Home-screen widgets, App Lock with Face ID, and light or dark mode that follows your iPhone. FREE Unlimited accounts, operations, transfers, goals and trips. Keypad with calculator, three receipt scans to try, and Apple Pay logging. Planned payments and reminders. Statistics for this month and last. No ads. PREMIUM Unlimited receipt scanning. Smart mode: a sentence, typed or spoken, becomes several expenses, and receipts your phone can't read are read for you. Bank statement matching. Category budgets. Insights, the year view, forecasts and your full history. Export. Monthly or yearly subscription, with a free trial for new subscribers. YOUR DATA Your ledger lives on your iPhone and in your own iCloud. Obolos never connects to your bank and never asks for bank credentials. Sign in with Apple. When you use Smart mode or statement matching, the text, photo or file you send is read once by our server and an AI provider and is not used for anything else. No ads, no data sales. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://evless.github.io/obolos/privacy