Lode vs Penni

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

Penni is a calmer way to manage your money. Track what you spend, set gentle budgets, and watch your savings grow — in an app that feels warm, unhurried, and beautifully simple. No spreadsheets, no clutter, and no account to create. Just open Penni and start. PRIVATE BY DESIGN • No sign-up, no login, no account. Ever. • Your data is stored on your device and synced privately through your own iCloud — it never touches our servers, because we don't have any. • Lock the app behind Face ID or Touch ID for an extra layer of privacy. SEE YOUR MONEY AT A GLANCE • A clean home dashboard with your total balance, income, and spending for the month. • Beautiful wallet cards for cash, bank accounts, cards, savings, and more. • A simple financial-health score that tells you how you're doing. TRACK EVERY TRANSACTION • Log expenses and income in seconds. • Organize with tidy, colorful categories and per-day grouping. • Search and filter by date range to find anything fast. BUDGETS THAT GUIDE YOU • Set gentle limits for the categories you care about. • Always know exactly where you stand — without the guilt. REACH YOUR GOALS • Save for an emergency fund, a new phone, or a dream trip. • Watch each goal fill up as you set money aside. INSIGHTS • Spending trends and category breakdowns that actually make sense. WORKS WHERE YOU DO • Home Screen and Lock Screen widgets keep your balance and budgets a glance away. • A Live Activity keeps an eye on your budget while you spend. ICLOUD SYNC & BACKUP • Turn on iCloud Sync and your wallets, transactions, budgets, and goals stay up to date across your iPhone and iPad automatically — and are safely backed up to your iCloud account. Penni is a personal bookkeeping tool to help you understand your own money. It does not connect to your bank, move money, or give financial advice. — PENNI PRO Penni is free to use. Penni Pro unlocks everything: unlimited wallets, unlimited budgets and goals, unlimited transactions, iCloud sync, dark mode, advanced insights, and custom categories. • Penni Pro Monthly — $3.99 / month • Penni Pro (3 Months) — $9.99 / 3 months • Penni Pro Yearly — $29.99 / year Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same price and duration unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple Account settings. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penni.cc/privacy