Spendwise AI vs TapExpense

NEW IN 2.2 — APPLE PAY AUTOMATIC TRACKING Pay with Apple Pay. Expense logs itself. Set up once via Apple Shortcuts. Works forever. —————————————————————————— Spendwise AI turns your Phone into a smart personal finance manager — powered by AI, 100% private, and works offline. SCAN RECEIPTS INSTANTLY Point your camera at any receipt — in German, English, French, Dutch, Italian, Spanish, or Portuguese. AI extracts the amount, merchant, and category automatically. IMPORT YOUR BANK STATEMENTS Drop in a PDF, CSV, or photo of your bank statement. AI parses and categorises hundreds of transactions in seconds. VOICE EXPENSE ENTRY Just say "Coffee 4.50" or "Aldi 23 euros" — expense logged instantly. No typing needed. TRACK YOUR EMOTIONAL SPENDING Tag how you felt when you spent. Discover patterns — how much more you spend when stressed vs. content. Unique to Spendwise AI. MULTI-CURRENCY TRIP EXPENSES Track expenses abroad in local currency with offline rates for 30+ currencies. No internet required. AI FINANCIAL ADVISOR Ask your AI advisor anything about your spending in plain English. Get personalised answers based on your real data. 6-MONTH CASH FLOW FORECAST AI predicts your financial future based on your recurring expenses and income patterns. COMPLETELY PRIVATE All data stays on your Phone. No account required. PIN and Face ID protection. Your data never leaves your device. EXPORT TO EXCEL Export all expenses and income to a formatted Excel file at any time. FREE TIER: 15 AI interactions/month included at no cost. PRO ($3.99/month or $29.99/year): 150 AI interactions/month — unlock unlimited receipt scanning, bank imports, and AI chat. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

TapExpense is the expense tracker built for people who just want to log a purchase and get on with their day — no account, no sign-up, no ads, no network required. Every expense stays on your device, in a real local database, from the very first tap. LOG AN EXPENSE IN 5 SECONDS Tap the + button and the amount field is already focused with the keypad up. Type an amount, pick a category and payment method from single-tap chips, save — done. Titles are optional; untitled expenses show their category. As you type, TapExpense suggests titles learned from your own history, and accepting one prefills the amount, category and payment method in a single tap — every field stays editable if it guessed wrong. That runs entirely on-device: no AI service, no cloud model, no network call. It is a deterministic ranking of your own history by recency, frequency and time of day — fast, predictable and private. YOUR DATA NEVER LEAVES YOUR DEVICE • Fully functional offline — always, everywhere, no exceptions • No account, no sign-up, no email required • No ad SDKs, no trackers, no analytics of any kind • Optional Face ID / Touch ID lock with PIN fallback • Optional blur for amounts in the app switcher • Export to CSV or JSON any time, free — your data is never held hostage SEE WHERE YOUR MONEY GOES The dashboard centers on one number: what you spent today, this week, this month, this year or all time, with a chart shaped to match. Tap a bar to filter the list to that period. Reports add a category breakdown, a payment-method breakdown, a six-period trend and month-over-month deltas that name your biggest mover. Every figure is computed on-device. FASTER THAN OPENING THE APP • Home Screen and Lock Screen widgets, including an interactive "log it again" widget that saves your most frequent expense in one tap, without launching the app • Siri and Apple Shortcuts: "Log an expense in TapExpense", get your period total, open Quick Add, search expenses, or undo the last entry • A guided Apple Wallet automation, so an Apple Pay tap can hand the merchant and amount straight to TapExpense MULTIPLE PROFILES Keep personal, business or shared spending in fully separate profiles, each with its own categories, payment methods, currency and learned suggestions. Switch in one tap. BACKUP AND RESTORE, ON YOUR TERMS Create an encrypted backup (AES-256-GCM) protected by your own passphrase, and preview exactly what a restore will change before anything is applied. Restores merge safely by ID, so you never lose data by mistake. Schedule automatic backups and optionally keep them in your own iCloud Drive — TapExpense never sees your files. OPTIONAL NOTION SYNC Mirror your expenses into your own Notion database as you log them. Entirely opt-in, with zero effect on the app if you never turn it on. FREE VS. PRO Unlimited expenses, up to 20 categories, one profile, current-month reports, CSV/JSON export and full backup/restore are free — permanently, with no trial period and no nagging. TapExpense Pro adds unlimited profiles, full history and every reporting period, advanced filters, every widget and automation, and Notion sync. Backup and export stay free either way — that line never moves. No accounts. No ads. No trackers. Just a fast, private way to know exactly where your money goes. Terms of Use: https://tap-expense.com/terms/