Hesabaty vs PennyWise

Hesabaty is the personal-budgeting app built for Egypt. Track every pound — automatically. Privacy Policy: https://hesabatypersonal.vercel.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ — AUTOMATIC SMS TRACKING — Hesabaty parses bank SMS from 12 Egyptian banks (CIB, NBE, Banque Misr, AAIB, QNB, ADCB, HSBC, Emirates NBD, Mashreq, Suez Canal Bank, Faisal Islamic, ABC) using a one-time iOS Shortcut setup. Every transaction lands in your dashboard the moment your bank texts you — no copy-paste, no waiting until end of month. — APPLE PAY READY — Tap, pay, tracked. Hesabaty integrates with Apple Pay through a Shortcut so contactless payments show up in your budget instantly. — SMART MONTHLY BUDGETS — Set a budget per category and let Hesabaty roll the leftover into next month automatically. Watch overspending in real time with a clear progress ring on each category. No more guessing where the money went. — SAVINGS GOALS — Working toward a new phone, a trip, or an emergency fund? Create a goal, set a target, and Hesabaty shows your progress every time you save. — SUBSCRIPTIONS & BILLS — Track every recurring charge — Netflix, ADSL, gym, school fees — and get a heads-up before each renewal so nothing slips through. — TRENDS & INSIGHTS — See where your money goes across weeks and months with category breakdowns, top merchants, and a smart AI assistant that answers questions about your own spending in plain English or Arabic. — PRIVATE BY DESIGN — Your raw SMS messages never leave your phone unencrypted. Bank text is parsed locally and only the structured transaction (amount, merchant, category) is stored. We never sell your data and never share it with third parties. Every database table is protected with row-level security so only you can read your own data. — ARABIC + ENGLISH — Fully translated with proper right-to-left layout. The app feels native in both languages. — HESABATY PRO — Upgrade to Pro to unlock: • Unlimited AI budgeting assistant chat • AI-powered monthly spending insights • Unlimited bank-SMS auto-tracking (free tier is 30/month) • Export to CSV / PDF for your accountant or records • Priority support Pro is billed monthly or yearly — cancel anytime from your Apple ID subscriptions. — BUILT FOR EGYPT — EGP as the primary currency. InstaPay fees applied automatically on outgoing transfers so your balance matches your bank statement. Cairo timezone for budget resets. Categories tuned for how Egyptians actually spend. Start free. Upgrade when you're ready.

PennyWise — AI Expense Tracker The simplest way to see where your money actually goes. Snap a receipt and AI extracts every item in seconds. Connect your bank and transactions land in the right category automatically. Ask your AI accountant — "how much on food this month?" — and get an instant answer. FEATURES • Smart receipt scanner — photos, PDFs, printed or digital receipts • AI Accountant — chat about your spending in natural language • Bank sync — Monobank • Telegram bot — log expenses on the chat • Statement import — CSV, XLSX, PDF, or photos • Budgets — monthly cap plus per-category limits • Recurring expenses — auto-added each month • Multi-currency with live exchange rates • Custom categories with icons and colors • Analytics — trends, breakdowns, monthly comparison • Month in Review — personalised recap on the 1st • Privacy mode — blur all amounts with one tap DESIGN Light and dark themes, six accent colors, six app icons. Offline-first — add expenses without a connection and sync later. Available in English and Ukrainian. PENNYWISE PRO Unlock unlimited receipt scans and AI messages, bank sync, Telegram bot, full analytics history, multi-currency, all app icons, and data export. • Monthly: $4.99 • Yearly: $29.99 (7-day free trial) Payment will be charged to your Apple ID at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage and cancel subscriptions in your Apple ID account settings. Terms of Use: https://pennywise.info/terms Privacy Policy: https://pennywise.info/privacy