TrackSmart vs Bonsave

Your money, your finances and nobody else's business. TrackSmart is the budgeting app that never asks for your bank login. No account linking, no third-party data brokers, no servers holding your financial life. Your financial data stays on your device and in your own private iCloud. PRIVATE BY ARCHITECTURE, NOT BY PROMISE • No bank credentials required — ever • No account, no email, no sign-up • Your financial data lives on-device and in your private iCloud • On-device AI: your transactions are never sent to the cloud SEE YOUR WHOLE NET WORTH Track everything you own and owe in one place. Add assets and liabilities, log account values over time, and watch your net worth trend — alongside a beautifully redesigned account view with balance history, top categories, and credit-utilization at a glance. • Net-worth tracking with valuation history • Redesigned account detail — balances, statistics, and trends ON-DEVICE AI THAT UNDERSTANDS YOUR MONEY Powered by Apple Intelligence, TrackSmart generates plain-language summaries of your spending — what changed, what's unusual, and what deserves your attention — entirely on your device. • AI spending summaries generated locally, never in the cloud (AI summaries require a device with Apple Intelligence.) INSIGHTS DEEPER THAN A PIE CHART • Cash-flow forecast — see where you're headed, not just where you've been • Money Flow view — exactly where every dollar goes, income in to spending out • Spending breakdowns by category, merchant, and trend • Automatic subscription detection — catch the charges you forgot about • Unusual-spending alerts before they become a habit BUDGETS & GOALS THAT STICK • Monthly and category budgets with clear progress • Savings goals you can actually watch grow • Recurring transactions and smart categorization rules IMPORT WITHOUT LINKING • Import transactions straight from PDF statements — no Plaid, no bank connection • Export polished PDF reports for taxes or your own records LIVES ON YOUR HOME SCREEN Five widgets — Spending Summary, Budget Progress, Cash Flow, Net Worth, and Quick Add — keep your money one glance away. AVAILABLE IN ENGLISH AND SPANISH TrackSmart is fully localized — every screen, every insight, in both languages. START FREE Track multiple accounts, budgets, goals, and tags at no cost. Upgrade to Pro for unlimited everything, advanced insights, PDF import/export, and on-device AI spending summaries. Not sure yet? Turn on Demo Mode in Settings to explore the entire app with realistic sample data — no signup, and your own data stays untouched. No bank login. No data brokers. No catch. Just your money, finally private.

Looking at your money shouldn't feel like work. Bonsave brings your accounts together and tells you what's going on, in plain language. Connect your accounts and meet Bonnie, your personal financial assistant. She delivers one focused insight every morning to help you build lasting wealth. Like tending a bonsai tree, a little attention each day adds up to something real. One insight, every morning. Bonnie watches your accounts and surfaces one observation each day. You might wake up to: "$2,400 in bills are due before your next paycheck, and checking has $1,900. Worth moving some money over today." "You're contributing 2.5% to your 401(k), but your employer matches up to 5%. That's about $2,600 a year you're leaving on the table." "You're carrying $1,742 on your credit card at 21% APR. Paying it before the statement closes saves about $31." "You'll cross $100k net worth around June at your current pace. First time, by the way." Each insight is short, useful, and yours to keep. Browse by category, scroll back through your history, and thumbs up or down so Bonnie learns what's helpful to you. Want more? Ask Bonnie about any insight and she picks up the thread with your numbers. Chat with Bonnie anytime. Bonnie has your accounts, transactions, holdings, and budgets all loaded, so you can ask things like "what did I spend on coffee last month" or "am I saving enough" and get a real answer grounded in your actual data. Everything in one view. Checking, savings, credit cards, loans, and investment accounts in a single feed. Your net worth is one number that updates as your money moves, and any account is one tap from its full balance history. Spending that makes sense. Transactions are automatically categorized using AI. See every category against its budget as the month happens, and get a heads-up when a budget hits 90%, not after it's blown. Every place you pay gets its own page, so a subscription that quietly raised its price stands out, and every bill and subscription sits on a calendar so nothing catches you off guard. Know what you really own. See your portfolio's value over time, how it's allocated, and your biggest positions. Bonsave looks inside your funds too, so you can see the companies you actually own and how much of your money rides on each. Track stocks, ETFs, retirement accounts, and crypto, and add the harder-to-see stuff like real estate or private holdings. Your home, paid off. Add your home and mortgage to see your monthly payment, payoff date, and escrow, worked out from your balances and editable when you know the exact figures. See where you're headed. Bonsave projects your net worth forward from your real income, savings, and investments, and tests your plan against 500 market histories, so you see the range of outcomes rather than one hopeful line. Set a retirement age or a financial independence target, and see the year you get there and how likely it is to hold. Budgets and priorities. Set monthly budgets and tell Bonnie what you're working toward. She factors both into every insight, so what she surfaces actually matters to you. Made for iPhone Duo and iPad. Unfold iPhone Duo and Bonsave lays out side by side: your chart stays in view while you go through the details. Make it yours. Pick a color theme and a matching app icon, and lock the app behind Face ID. Privacy you can actually trust. Account connections run through Plaid, the same provider used by Venmo, Robinhood, and Coinbase. Bonsave never sees your bank login. Your connection is encrypted in transit and at rest, and you can delete your account and everything in it, any time. Try it free. Your money is doing things every day. Bonsave helps you notice. Terms of Use (EULA): https://bonsave.app/terms Privacy Policy: https://bonsave.app/privacy