Franklin vs Gilt

Franklin is a personal finance tracker that runs entirely on your phone. No sign-up, no account, no cloud — your money stays your business. TRACK INCOME AND EXPENSES Logging a transaction takes seconds: amount, category, account, date, and a short note. Income, expenses, and transfers between accounts all live in one place. MULTIPLE ACCOUNTS Cash, checking, credit cards, savings — create as many accounts as you need. Each one gets its own color, icon, currency, and initial balance, and any account can be left out of your total balance. BUILT FOR MORE THAN ONE CURRENCY Keep accounts in different currencies and see every total in the one you actually think in. Transferring between currencies? Enter the amount received and the fee, and Franklin does the math. Choose from more than 150 currencies, with exchange rates refreshed in the background. CATEGORIES THAT FIT YOU Start with a ready-made set — groceries, restaurants, transport, housing, utilities, health, entertainment, salary, freelance, investments — then add your own with the icon and color you want. ANALYTICS Total balance, income and expenses for any period, a breakdown by category, and a side-by-side comparison with the period before. Tap any category to see exactly what went into it. FILTERS THAT ACTUALLY NARROW THINGS DOWN Pull up transactions by period, account, category, type, amount range, or the text of a note. YOUR DATA STAYS YOURS Export everything to a single file in one tap and restore it on a new phone just as easily. No hidden uploads: your accounts, transactions, and categories never leave your device. THE SMALL STUFF • Light and dark themes, plus system matching • 12 languages and regional variants • Set up in under a minute • No ads Franklin is for anyone who wants a budget under control without endless setup — whether you're splitting bills, saving for something big, or you just want to know where the paycheck went.

Gilt is a personal finance tracker that respects two things most finance apps don't: your money and your privacy. START FREE, SUBSCRIBE WHEN IT STICKS Every feature is unlocked from first launch — no account, no card, no countdown. The free start covers your first 10 transactions across 5 different days. After that, a subscription ($2.49/month or $19.99/year, about $1.67 a month) keeps recording; a family plan and a one-time lifetime purchase are also available. And a promise: your data is never held hostage — everything you've recorded stays readable and exportable, free, forever. YOUR DATA NEVER LEAVES YOUR ICLOUD Gilt has no servers. Everything is stored on your iPhone and synced through your personal iCloud, end to end. We couldn't read your data even if we wanted to — there is nothing on our side to read it with. No analytics, no tracking, no ads. Ever. BRING YOUR OWN AI Instead of selling you another built-in chatbot, Gilt works with the AI you already use. Importing history? Hand your bank statement to your AI with Gilt's prepared prompt and it converts the statement into a file Gilt verifies and imports — works with any bank in the world. Analyzing? Export a structured, privacy-filtered snapshot and ask Claude, ChatGPT, or any assistant. You review everything before anything is saved; merchant names and notes stay out of exports unless you say otherwise. EVERYTHING A REAL TRACKER NEEDS Unlimited accounts — checking, savings, cash, credit cards with utilization, loans with payoff schedules, deposits with interest. Budgets with per-category allocations and honest pace projections. Recurring payments and bills. Reports: spending by category, income vs expense, net worth over time. Multi-currency done properly, with transfers and exchange rates. READ ON YOUR IPHONE, NOT ON A SERVER Scan a receipt and, with Apple Intelligence, Gilt fills in the merchant, total, date and category by itself — the model runs on your iPhone and the receipt never leaves it. Ask Siri how much you spent this month, last month or this week, in total or on one category. FOR YOU AND YOUR FAMILY The family plan shares your household through iCloud between your own Apple accounts. Two people, one clear picture of the money — still with no server in the middle. AND THE DETAILS Home-screen widgets, Face ID app lock, CSV import and export, search, custom categories and tags, beautiful native design built entirely with Apple's latest frameworks. Gilt compares you with you — your own history, your own pace — never with strangers' averages. Your finances are personal. Your finance app should be too. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://gilt.money/privacy