Tally vs Local Budget

Tally is a personal finance tracker that runs entirely on your iPhone. No accounts. No ads. No data collection. Log purchases, track subscriptions, watch your balances, and see where your money goes. TRACK PURCHASES Add a purchase in seconds — the amount field is auto-focused so the keyboard's already up. Pick from a category grid you can extend with your own emoji and color. Attach receipt photos, add notes, and edit or delete any transaction with full date control. Scan a receipt or price tag with the camera (or the iPhone Action Button) and Tally pre-fills the amount, merchant, and category. Hold the mic button to log a purchase by voice. MANAGE SUBSCRIPTIONS See every recurring charge in one place — Netflix, Spotify, Claude, that one app you forgot about — each with the app icon pulled from the App Store. Set renewal dates, get a reminder before each charge, and see your monthly and yearly totals. MULTIPLE ACCOUNTS & BALANCE TRACKING Track checking, credit, debit, Venmo, and more in one place. See your total balance, compare against last month, and view a balance trend chart by hour, day, or week. Tap + or − to log income or spending. Record what your balance was on any past date to re-anchor your history. DASHBOARD Today, this week, this month, this year — tap any cell on the dashboard to switch the spending pie chart and breakdown to that timeframe. Set monthly and per-category budgets with progress bars. See net cash flow when you add your income schedule. IMPORT FROM YOUR BANK Import purchases and income from PDF or photo bank statements. Share a statement straight from your bank's app into Tally. Parsing skips duplicates and learns merchant categories over time. LOCK-SCREEN WIDGET & LIVE ACTIVITY Add a purchase from the lock-screen widget — one tap opens straight to "New Purchase" with the keyboard up. A Live Activity shows your monthly budget progress. SIRI, SHORTCUTS & ACTION BUTTON Log spending with Siri ("Add coffee to Tally"), Shortcuts, or your iPhone Action Button — including receipt scanning on supported devices. EXPORT YOUR DATA Export everything to CSV in one tap. Back up and restore your full Tally library as JSON — every purchase, subscription, account, income entry, budget, and balance snapshot — so nothing's lost if you switch devices. LIGHT + DARK MODE Match your system or pick whichever you prefer. Your data stays on your device. The only network requests Tally makes are to fetch app icons for the subscriptions you add (via Apple's iTunes Search API and DuckDuckGo's icon service) — and even those are anonymous.

Local Budget reads credit card statements on your iPhone and builds a budget from them. Input is the PDF or CSV your card issuer provides, or Apple Card through Apple Wallet. There is no account, no bank login and no server: parsing, storage and analysis all run on the device, and statement import works offline. INPUT • PDF statements, including scanned paper statements saved as PDF, read with on device text recognition • CSV exports. Column layouts are detected and remembered per card • Password protected PDFs • Import from the Statements tab, or the Share sheet in Files, Safari and Mail • Duplicate transactions are skipped if you import the same statement twice • Card payments are detected and left unticked, so paying the bill isn't counted as money in • The parsed total can be checked against the statement's printed total APPLE CARD (US) • Reads booked Apple Card transactions through Apple Wallet, with your permission • Syncs each time the app opens. Pending transactions are added once they settle • Apple Card only. Apple Cash and Savings are not read • Card payments are not stored. Refunds and statement credits are • Dates already covered by an imported Apple Card statement are not added again • Revoke access in Settings and the app deletes its Apple Card data CATEGORIES • One category per transaction. Labels are separate, any number per transaction, for grouping across categories such as a trip or a project • New transactions are categorized in this order: your rules, your past choices for that merchant, a built in list of over 250 common merchants, then Apple Card's merchant type. No match means no category • The import preview shows every category before anything is saved. Change any of them, or undo after • A category you set is never overwritten • Categorize by Merchant groups uncategorized spending by merchant, largest first. One choice covers every transaction from that merchant and adds a rule for future imports • When nothing else knows a merchant, a word in its name (restaurant, parking, pharmacy) gives a suggestion. Suggestions from the name are never applied without a tap ANALYSIS • Home: the latest month's total, categories and merchants, compared with the previous month and your average • Spending by day, week, month or year over a range you choose • Saved filters, compared over time • Category, merchant and budget figures open the transactions behind them • Home screen widget BUDGETS AND BILLS • Monthly budgets by category or label, with optional rollover • Savings goals with the monthly amount needed • Recurring charges detected from your history, with reminders before the due date • Income, net worth and 17 currencies DATA AND SECURITY • Optional Face ID or Touch ID lock. No ads, no analytics, no tracking • Backups are encrypted with 256 bit AES (GCM). The key is derived from your password with PBKDF2 at 210,000 iterations and a new random salt for every file. Passwords are at least 12 characters • The backup password is kept in iCloud Keychain, so a new iPhone opens your backups without typing it, or on this iPhone only. Your choice • CSV export for spreadsheets (not encrypted), and delete all data in one step Free for the first 150 transactions. Local Budget Pro removes the limit, monthly or yearly, and the price for your region is shown before you buy. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Manage or cancel in your App Store settings. A statement didn't import correctly? Email localbudget@tripletnotes.com with the card issuer's name. Don't attach the statement, and never send account or card numbers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://localbudget-app.netlify.app/privacy