TrackSmart vs Praxi

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.

Take complete control of your financial ecosystem with Praxi, a powerful personal finance app built on a simplified double-entry ledger system. Praxi goes beyond basic expense tracking to provide an accurate, real-time calculation of your true net balance across all your accounts. Whether you are managing daily cash flow, tracking multiple credit cards, or keeping tabs on money people owe you, Praxi streamlines the entire process through clean split transactions and precise account classification. WHY CHOOSE PRAXI? • Simplified Double-Entry Ledger: Track your money with absolute accounting precision. Classify your accounts efficiently into Assets (cash, bank accounts), Liabilities (credit cards, debts), Accounts Receivable (money owed to you), and Income Sources. • Dynamic Split Transactions: Split single transactions into multiple accounts or categories effortlessly to reflect your real-world financial movements accurately. • Real-Time Net Balance: Know exactly where you stand. Praxi dynamically updates and displays your verified net balance based on confirmed transactions. THE POWER OF THE BALANCE ENGINE Static numbers don't solve financial puzzles—actionable insights do. Praxi features the intelligent Balance Engine, a smart recommendation core that actively analyzes your balances, upcoming liabilities, and outstanding debts. Instead of leaving you to calculate how to allocate your funds, the Balance Engine automatically suggests the optimal, exact money movements needed to: • Pay off credit card balances and eliminate liabilities efficiently. • Replenish overdrawn or low-balance bank accounts. • Remind you who to collect outstanding personal debts from. Eliminate the guesswork, stop financial stress, and keep your cash flow perfectly optimized. Download Praxi today and experience finance with clarity.