TrackSmart vs Manor

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.

Manor is an expense notebook for spoken and typed notes. Record what you spent or type it, then review the expenses Manor creates. Correct entries by voice or text and check the changes before saving. With your permission, Manor sends recordings, typed notes, and relevant budget and recent expense details to Google Gemini to process expenses and corrections. You can change this permission in Settings. Internet is required to sign in and process notes with AI. Set monthly budgets, see spending by category, search your history, and set up monthly recurring expenses. Choose a currency for each budget. Manor does not convert currencies. Keep a budget private or share it by invitation. The owner needs Premium to manage sharing; Free members can join. Joining a shared budget does not give you Premium. The interface is available in English, French, and Arabic. Dictation supports Moroccan Darija, English, French, and automatic language detection. Free includes 30 successful AI requests per calendar month, 1 editable budget you own, 3 custom categories, and 2 fixed expenses. Category and fixed-expense limits apply across all budgets you own. One request can create several expenses. Failed requests do not use the allowance. Manor Premium includes 300 successful AI requests each month, including with a yearly subscription, up to 5 budgets you own, up to 1,000 custom categories and 1,000 fixed expenses across those budgets, shared-budget management, and advanced history filters. If Premium ends, your oldest owned budget stays editable on Free. Extra budgets become read-only, with expenses and history retained. Automatic fixed-expense entries pause in those budgets. Shared budgets follow their owner's plan. Export your data or request account deletion in Settings. Premium is an individual monthly or yearly subscription, purchased in the app through Apple. Payment is charged to your Apple Account when you confirm. Your subscription renews automatically at the displayed price unless you cancel at least 24 hours before the current period ends. Manage or cancel it in your Apple Account subscription settings. Support: https://talktomanor.com/en/support Privacy: https://talktomanor.com/en/privacy Terms of Use, Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/