Xpense Manager vs FinanceToolkitt

Know exactly where your money goes — without giving your data to anyone. No account. No internet connection required. No tracking. Just a fast, private expense tracker that lives entirely on your device. TRACK IN SECONDS Add an expense with three taps. The description field auto-suggests a category as you type, and the app remembers your choices for recurring merchants — so future entries categorize themselves. IMPORT YOUR BANK STATEMENTS Skip the manual entry entirely. Import PDF, CSV, or XLSX bank statements directly from Files or email. Xpense Manager parses transactions automatically — including from password-protected PDFs — previews every row before you commit, and flags duplicates so your data stays clean. The Template Wizard guides you through mapping columns in three steps for PDFs that could not be automatically processed. UNDERSTAND YOUR SPENDING A dashboard built for clarity: • Monthly snapshot: total spend, transaction count, and top category vs your 12-month average • Category breakdown: pie, donut, vertical bar, or horizontal bar chart • Trend explorer: monthly totals with MoM delta labels, yearly grouped view, and category trend lines • Filter by any date range — today, this month, last 3 months, or a custom window MULTI-CURRENCY, NO HASSLE Log expenses in any currency and see everything converted to your home currency on the dashboard. Bundled reference rates cover 150+ currencies — no internet required. Currency rates can be updated manually. Every release provide average currency rates for the current year. BUILT FOR PRIVACY Your financial data never leaves your device. No account. No tracking. No analytics. No backend. Fully offline. GDPR-compliant: delete everything in one tap via Settings → Delete All Data. KEEP YOUR DATA SAFE Back up expenses, categories, learned patterns, and settings to iCloud Drive or local device storage. Restore seamlessly at any time. FACE ID / TOUCH ID Lock the app with biometrics. Locks automatically after 30 seconds in the background. ——— Xpense Manager is free to use for manual tracking and up to 2 CSV/XLSX imports per month. You will also get 5 PDF imports for free to try this feature. Upgrade to Pro or Lifetime for unlimited imports and smart categorization matching and pattern building. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Finance Toolkit puts 19 financial calculators, expense tracking, investments and important documents in one app. No account. No sign-up. No ads. WHY PEOPLE SWITCH • No account or sign-up — open the app and start • Your data stays on your device; iCloud sync is optional and yours to control • No ads, no trackers, no bank logins • Works fully offline VOICE AND SIRI EXPENSE ENTRY Tap the mic and say "Spent 450 on fuel." The amount, category, description and date are picked up automatically using on-device speech recognition, and you can edit any field before saving. Or skip the app entirely: "Hey Siri, add expense in Finance Toolkit." Long-press the app icon for instant Voice Expense and Add Expense shortcuts. 19 FINANCIAL CALCULATORS Loans (10): Home, Vehicle, Personal, Education, Business, Gold, Loan Against Property, Agricultural, Credit Line / Overdraft, Consumer Durable Investments (5): SIP, Mutual Fund lump sum, SWP, Fixed Deposit, Recurring Deposit Tax and Retirement (4): Income Tax with old vs new regime comparison, NPS, PF, Gratuity Star your favourites, save any calculation with notes, restore the inputs later, and share or copy results. AMORTIZATION THAT ACTUALLY HELPS Month-by-month EMI, principal, interest and balance. Model prepayments, step-up EMIs, a custom higher EMI, or an existing loan you have already been paying. See exactly how many months and how much interest you save. Export as PDF or CSV. EXPENSE TRACKER • 27 categories with tags and notes • Receipt scanner — photograph a bill and the total, merchant and date are extracted and categorised • Bank statement import — bring in a PDF or CSV statement; transactions are sorted automatically (UPI, NEFT, IMPS, ECS) and the app learns from your corrections • Pie charts, monthly and yearly views, search and filters • Multi-select and batch delete • Export as PDF or CSV MONTHLY OUTFLOW AND PAYMENT REMINDERS Track EMIs, rent, subscriptions and bills against your salary to see what's actually left. Set one-time, monthly, quarterly, half-yearly or yearly reminders with a notification 3 days before, 1 day before, or on the due date. Mark as paid in one tap; the next cycle resets itself. INVESTMENT TRACKER FD, RD, SIP, mutual funds, stocks, PPF, NPS, gold, real estate, insurance, bonds and your own custom types. See total invested, current value and expected returns with a colour-coded gain or loss, plus maturity alerts. Ongoing investments with no fixed end date are supported. IMPORTANT DOCUMENTS Keep policies, ID cards and property papers in the app — PDF, JPG, PNG, HEIC, Word and Excel. Import from Files or capture with the camera. Files are copied into the app's own private storage, with a category breakdown showing what is stored where. WIDGETS Six Home Screen and Lock Screen widgets: monthly summary, upcoming payments, quick expense total, top spending categories, outflow total, and a one-tap receipt scan. Tap any widget to jump straight to the right screen. SECURITY Face ID, Touch ID, Optic ID or your passcode locks the app once you have data in it, and again after 30 seconds in the background. Screenshots and screen recording are blocked on financial screens, and your content is hidden in the app switcher. BUILT FOR MORE THAN ONE COUNTRY 11 currencies — INR, USD, EUR, GBP, AED, SAR, CAD, AUD, SGD, JPY, DOP. 9 languages — English, Hindi, Spanish, French, Arabic, Portuguese, German, Chinese and Japanese, switchable instantly inside the app. India-specific tools such as PPF, LIC and PAN appear only when you choose INR. ALSO INCLUDED Smart notes with rich text formatting, saved calculations you can restore, iCloud sync across your devices, dark mode, and full data export and import. Requires iOS 18.