Tally vs Ownspend

No bank connection doesn’t mean typing everything in. Tally is an expense tracker for iPhone that never connects to your bank account. You choose how each movement gets in, and none of them is saved until you approve it. FOUR WAYS TO LOG - By hand: tap +, pick expense or income, account, category, and date. Seconds. - From a receipt: take the photo and tap “Analyze receipt”. Tally proposes the amount, date, and category, and you review them before saving. - By importing a statement: a CSV or Excel file you download yourself from your online banking (or Norma 43, for Spanish banks). Row-by-row preview, with possible duplicates flagged. - With Apple Wallet: an optional Shortcuts automation leaves each payment as a draft for you to review. The last two, and unlimited receipt analyses, are part of Tally PRO. WHAT MAKES TALLY DIFFERENT - It never asks for access to your bank. - Nothing is saved until you approve it. - Your movements, accounts, and receipts stay on the device by default. - No ads, and we do not sell your data. WHAT ELSE YOU CAN DO - Split your money across accounts, including event accounts for a trip or a party. - Keep each account in its own currency, out of 47: your total is converted to your main currency on the phone, with the day’s exchange rates. - Sort by category, and build your own with PRO. - Keep the receipt photo next to the movement. - Track savings goals and recurring movements. - See statistics by month, quarter, semester, and year. - Share one specific account with someone else, encrypted on the device before it is uploaded. Requires PRO on both phones. - Export your data to CSV whenever you want. FREE AND TALLY PRO Free, with no time limit and no ads: 3 accounts, the built-in categories, 1 AI receipt analysis, 1 recurring item, and 1 goal. Tally PRO adds unlimited and event accounts, custom categories, unlimited receipt analyses, statement import, the Wallet automation, advanced statistics and filters, and shared accounts. Billed monthly, yearly, or as a one-time purchase. ABOUT THE AI Tally uses artificial intelligence in two places, and only when you ask for it: when you tap “Analyze receipt”, and when it tidies up the rows of a statement you imported. The Apple Wallet automation uses no AI and makes no network calls. Neither of them needs access to your bank. WHAT TALLY DOES NOT DO - It does not connect to banks or Open Banking. - It has no category budgets. - It does not work out who owes what between people. - It does not use real-time exchange rates: it converts with the day’s rates. - There is no guest mode: an account is required. Requires an account (Apple, Google, or email). Built by Juan Carlos Rodicio. Terms of use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ownspend is the expense tracker for people who tried budgeting apps and quit. No bank password. No account. No three-hour setup weekend. Open it, tap plus, type what you spent, and watch it fill a spending wheel that's actually worth looking at. In 90 seconds you'll see the one thing you opened the app for: where your money actually goes — not where you think it goes. (Same app, new name: ClearSpend is now Ownspend. Your expenses and your Pro unlock are exactly where you left them.) SEE EVERYTHING AT A GLANCE Each category is an arc on the Spending Wheel, sized by what you've spent this month, in warm colors you can read in three seconds. Tap an arc to drill into it. The wheel fills in real time as you log, so you always know if you're on track. LOG IT IN 3 TAPS The numeric keypad is waiting the moment you tap add. Amount, category, done. Optional note. Ownspend remembers your recent amounts and categories, so logging that morning coffee takes seconds — before you forget. BUDGETS THAT ACTUALLY HELP Set a monthly limit per category and watch your progress inline. Ownspend warns you as you near a limit and flags the ones you've gone over — no end-of-month surprises. YOUR HISTORY, INSTANTLY SEARCHABLE Every transaction, newest first. Search by keyword, filter by category or date, sort by amount. Record the cash spending no automatic tracker ever captures. BRING YOUR OLD APP WITH YOU Switching trackers usually means starting from zero. Export a CSV from the app you're leaving and import it here instead — Ownspend shows you exactly what it will create, every row, before anything is written. ON IPHONE AND IPAD A real iPad layout — sidebar, dashboard and history side by side — not a stretched-up phone app. Attach a receipt photo to any expense, and record where you spent it. PRIVATE BY DESIGN, NOT BY POLICY Ownspend is local-first. Your expenses live on your device, and we never link to your bank or ask for a password. Use it solo and there is no account and no sign-in at all — nothing to leak, nothing to breach. Shared Wallet is opt-in, and free. Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet's expenses sync; everything else stays on your device. Sign in with Apple or Google, and delete your account whenever you want, right there in Settings. WHAT YOU GET, FREE - The Spending Wheel and full category breakdown - 3-tap Quick-Add logging - Up to 3 categories and 60 days of history - One savings goal - Monthly summary card you can share - Multiple wallets for cash, checking, and cards - CSV import, so switching costs you nothing - Shared Wallet, with one other person OWNSPEND PRO — YOUR CHOICE, NO GAMES Pro removes the limits. Start with a 7-day free trial on the monthly or yearly plan — or skip subscriptions entirely, pay once for the lifetime unlock, and own it forever. Pro adds: - Unlimited categories and unlimited history - Per-category monthly budgets and alerts - Unlimited savings goals - Recurring transactions and subscription tracking - Home screen widgets - Export to CSV or JSON for tax time The free tier is genuinely useful — it's the trial. Upgrade only when you outgrow it. WHY OWNSPEND Most budgeting apps want your bank credentials, charge you forever, or make you learn a methodology before you can log a coffee. Ownspend works offline, from the first tap, and keeps your financial life on your device. You own your spending — and you can own the app outright too. --- Ownspend is a personal budgeting and expense-tracking tool, not financial, investment, or tax advice. For guidance specific to your situation, talk to a qualified financial professional. Questions? Email dark2torch@gmail.com — we usually reply within a day or two. — Terms of Use (EULA): https://moathothman.github.io/ExploringIdeas-legal/clearspend/terms.html Privacy Policy: https://moathothman.github.io/ExploringIdeas-legal/clearspend/privacy.html