TrackSmart vs FreedomPilot

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.

Your bank shows what you have. FreedomPilot shows what you can safely spend. FreedomPilot brings your cash, bills, credit cards, subscriptions, spending, investments, debt, and financial goals together—then helps turn that information into a clearer plan for what comes next. KNOW WHAT YOU CAN SAFELY SPEND A bank balance doesn’t tell the whole story. FreedomPilot’s Safe-to-Spend helps you understand what’s actually available after considering upcoming bills, credit card payments, subscriptions, and other obligations. BUILD YOUR FREEDOM PLAN Turn your financial goals into a step-by-step roadmap. See what to focus on now, what comes next, and how your progress can move you closer to financial freedom. SEE WHERE YOUR MONEY GOES Understand transactions, daily spending trends, and merchant activity so you can see where your money is going and make more informed decisions. TRACK YOUR COMPLETE FINANCIAL PICTURE Monitor cash, investments, liabilities, and net worth together. See more than individual account balances—understand the bigger picture. ASK FREEDOMPILOT Get personalized AI-powered guidance based on your FreedomPilot financial data. Ask about cash flow, upcoming bills, subscriptions, debt payoff, spending, retirement planning, and more. STAY AHEAD Morning Briefs, upcoming bill reminders, and financial insights help bring important information to you when it matters—not just when you remember to open the app. USE FREEDOMPILOT YOUR WAY Start in Manual Mode and manage your finances yourself, or use Connected Mode to securely connect supported financial accounts for automatic updates and deeper insights. BUILT FOR THE ROAD AHEAD Whether you’re trying to get control of spending, pay down debt, build savings, understand your net worth, or work toward greater financial freedom, FreedomPilot gives you one place to see where you stand and what comes next. YOUR MONEY. YOUR PLAN. YOUR FUTURE. Financial freedom doesn’t happen overnight. It starts with understanding where you are, deciding where you want to go, and having the right tools to help you get there. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/