PennyWise vs ExpenseFlow

PennyWise — AI Expense Tracker The simplest way to see where your money actually goes. Snap a receipt and AI extracts every item in seconds. Connect your bank and transactions land in the right category automatically. Ask your AI accountant — "how much on food this month?" — and get an instant answer. FEATURES • Smart receipt scanner — photos, PDFs, printed or digital receipts • AI Accountant — chat about your spending in natural language • Bank sync — Monobank • Telegram bot — log expenses on the chat • Statement import — CSV, XLSX, PDF, or photos • Budgets — monthly cap plus per-category limits • Recurring expenses — auto-added each month • Multi-currency with live exchange rates • Custom categories with icons and colors • Analytics — trends, breakdowns, monthly comparison • Month in Review — personalised recap on the 1st • Privacy mode — blur all amounts with one tap DESIGN Light and dark themes, six accent colors, six app icons. Offline-first — add expenses without a connection and sync later. Available in English and Ukrainian. PENNYWISE PRO Unlock unlimited receipt scans and AI messages, bank sync, Telegram bot, full analytics history, multi-currency, all app icons, and data export. • Monthly: $4.99 • Yearly: $29.99 (7-day free trial) Payment will be charged to your Apple ID at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage and cancel subscriptions in your Apple ID account settings. Terms of Use: https://pennywise.info/terms Privacy Policy: https://pennywise.info/privacy

ExpenseFlow is the fast, private way to track daily spending. Type "coffee 4.50" and you're done — AI files it under the right category instantly. No bank logins, no spreadsheets, no clutter. PRIVATE BY DESIGN — OUR PROMISE Some expense apps want access to your messages or inbox to auto-log purchases. ExpenseFlow deliberately does not — and never will. Nothing in the app reads your texts or email. Automatic help comes only from actions you choose: quick-typing a line, speaking a voice note, snapping a receipt, or sharing a screenshot. NEW — IMPORT FROM A SCREENSHOT (Premium) Screenshot your bank app, card app or payment history — or a single payment notification — and bring it into ExpenseFlow. Share it straight from Photos, or pick it from the Add screen. AI reads the amount, the merchant and the date, suggests a category and subcategory, and shows you every entry to confirm and edit before anything is saved. Send them to your personal ledger, a shared group, a business, or an office trip. Screenshots are used only to pull out the transactions and are not kept. LOG AN EXPENSE IN SECONDS • Quick Add: type "groceries 62" — amount, category, done • Voice input, processed on-device • Receipt scanner: photograph a receipt, AI reads the total (Premium) • Import from a screenshot of your payment history (Premium) • Recurring bills suggested on schedule — always with your confirmation AI THAT WORKS FOR YOUR MONEY • Auto-categorization that learns your merchants • AI Coach: ask "how much did I spend eating out?" or "can I afford this?" — answers computed from your real numbers • Month-end forecast and smart insights that catch creeping subscriptions BUDGETS THAT MAKE SENSE • 50/30/20 made visual: Essentials / Lifestyle / Savings • Safe-to-Spend: one number for what's actually free to spend today • Category budgets, savings goals, streaks, weekly review SPLIT & SHARE (PREMIUM) • Groups for roommates, trips, and family — split, track balances, settle up • Give the group its own categories — everyone sees the same list • Business mode for side-hustle income & expenses • Multi-currency support for travel YOUR DATA, YOUR RULES • Works fully offline; syncs securely when online • Free JSON & CSV export — your data is never held hostage • Face ID / Touch ID app lock • Delete your account and all data in-app, any time Premium is a monthly or yearly auto-renewing subscription with a 7-day free trial for new subscribers. Payment is charged to your Apple ID account. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period; manage or cancel in Settings. Terms: https://expenseflow-mobile-app-web.web.app/terms.html Privacy: https://expenseflow-mobile-app-web.web.app/privacy.html