PennyWise vs Budgetti

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

Budgeting with someone else usually means one person tracking everything and the other finding out at the end of the month. Budgetti is built for two. You both add expenses to the same week. Your partner logs a grocery run and it's on your phone a second later — same total, same categories, no reconciling, no "did you get that one?" SHARE A BUDGET IN SECONDS Create a budget, share a six-character code, and they're in. No account setup on their side beyond signing in with Apple. KNOW AS IT HAPPENS Get a notification the moment the other person adds an expense, and when a category runs past what you planned. Turn any of it off in Settings. SEE THE WEEK, OR THE MONTH A running total that shows whether you're on pace, spending broken down by category, and a separate line for each person so you can see who's driving it. INCOME, NOT GUESSWORK Most budget apps ask you to invent a limit for "Shopping". Budgetti asks what you actually know: what you earn, and what's already committed. Set your take-home pay — weekly, every two weeks, or monthly — add rent and bills with the day they come out, and it works out what's genuinely free to spend. SEE MONEY BEFORE IT MOVES A 30-day view of what's coming in and going out, so the week where rent lands two days before payday is visible before you get there. SAVE ON PURPOSE Set aside an amount on a schedule and it's treated as committed, not spendable. WHAT IT DOESN'T DO No bank logins. No ads. No selling anything to anyone. Expenses are typed in, which takes a few seconds and means nothing surprising ever shows up in your budget. Free, with no in-app purchases.