EveryPenny vs Economee

There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total. WHAT EVERYPENNY DOES • One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet. • Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw. • Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank. • Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month. • Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you. • Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always. • Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture. • Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up. • Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders. ON PRIVACY EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy. WHO IT IS FOR EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now? If your finances live in more than one place, EveryPenny is the one place to see all of them. TO GET STARTED Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly. Terms of Use (EULA): https://everypennyapp.com/terms Privacy Policy: https://everypennyapp.com/privacy

Subscriptions charge you quietly. One at a time they look small; together they turn into a bill nobody agreed to. Economee gathers them in one place, works out what they cost you in a month and in a year, and warns you before each charge — so you decide, instead of finding out afterwards. WHAT YOU GET FOR FREE • Unlimited subscriptions, in any currency • What you spend per month and per year • Charge calendar — the whole month at a glance: which days, and how much • Reminders before a charge, at the time you choose • Trial endings, in time to decide • The savings counter: cancel something and watch what comes back • Five screenshot scans to start with • Seven languages WITH PREMIUM • Worth a look — overlaps, duplicates and the one that eats the budget • Statistics — where the money goes, by tag, service and card • Payment cards — how much to keep on each one by the start of the month • Screenshot scanning without a limit • Bank import — subscriptions find themselves in your Monobank statement THE SAVINGS COUNTER Cancelling a subscription is a decision that pays out every month, quietly, where nobody sees it. Economee makes it visible: cancel something for €15 a month and the counter keeps that €15 in view for a year. YOUR DATA STAYS YOURS Your subscriptions, cards and savings history live on your device and in your own private iCloud, and they appear on your other devices with the same Apple ID. The list itself never reaches our server — we could not read it if we wanted to. One button in Account deletes everything you entered. Once a day the app sends anonymous statistics, so we can see what to improve: how many subscriptions you have, what they come to per month, how much the savings counter holds, your base currency and whether Premium is on. Totals only, under a random number made when you install the app — no service names, no notes, no card details, nothing with your name on it. You can turn the statistics off in Settings. Screenshot recognition runs on the device using Apple's Vision framework. No image leaves the phone. Bank import uses a personal Monobank token, kept in the device Keychain and sent only to the bank. The token is read-only: the app cannot move money. HONEST NUMBERS Where a number is a guess, Economee says so. Where a currency has no exchange rate, it says that too, instead of quietly leaving the amount out of the total. Findings suggest what to look at — they never claim to know the price of a plan we have not seen. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://economee.tradegreat.io/privacy On iPad the list and the details sit side by side, and the widest widget tile shows twelve charges at once.