Tesoro vs Walti

Tesoro is a personal expense tracker built around one idea: tracking your money should feel simple, fast, and genuinely yours — not another dashboard that tries to run your financial life for you. TYPE IT, DON'T DIG FOR IT Add an expense the way you'd send a text: "Pizza at Domino's, 22.50." Tesoro's AI reads it, picks the right category, and it's done. No menus to dig through, no manual folder-filing. NO BANK LOGIN REQUIRED Tesoro never asks for your online banking credentials. Log expenses manually, snap a photo of a receipt, or import a PDF/CSV bank statement when it's convenient — you're always in control of what gets tracked and when. SMART, NOT NOISY DUPLICATE DETECTION Logged a coffee by hand, then imported the statement that includes it? Tesoro catches the overlap automatically so nothing gets double- counted — without falsely flagging two different cards' purchases as the same thing. BUDGETS THAT ACTUALLY FIT YOUR MONTH Set a budget once, or adjust it month to month as real life happens. Watch it update in real time as you spend, with a clear read on where you stand. YOUR MONTHLY RECAP At the end of each month, Tesoro turns your spending into a short, personal, shareable story: your top category, your biggest purchase, your longest no-spend streak, and a spending "personality" generated just for you. It's the one part of budgeting people actually look forward to. PRIVATE BY DESIGN - No ads. No trackers. No third-party analytics SDKs. - We will never sell your financial data — full stop. - Sign in with Apple or Google; delete your account and every byte of your data anytime, directly in the app, no email required. - Face ID/Touch ID app lock is handled entirely by iOS — Tesoro never sees your biometric data. BUILT FOR REAL SPENDING, NOT A SPREADSHEET TEMPLATE 18 categories covering real personal spending (from Groceries and Rent to Subscriptions and Pets), with a dedicated Money Transfers category so e-transfers and credit card bill payments never get double-counted as spending. COMING SOON: OPTIONAL BANK SYNC We're building an optional way to sync transactions automatically — strictly opt-in, read-only, and never able to move money or make a payment. Manual entry, receipt scanning, and statement import will keep working exactly as they do today, forever, whether or not you ever turn bank sync on. ALWAYS YOUR CALL Every feature in Tesoro is something you choose to use, not something forced on you. Nothing runs in the background without your say-so, nothing changes your data without a tap you made yourself. Easy to open, easy to understand, easy to close — no scrolling through settings just to figure out what's going on. Tesoro is an organizational tool, not financial advice — it's built to show you clearly where your money is going, so you can decide what to do about it.

Walti is a private, offline expense tracker for iPhone. Record daily spending in seconds, understand where your money goes, and stay within budget — without an account, ads, or tracking. SCAN RECEIPTS Take a photo of a receipt and Walti fills in the store, total, date and category. The receipt is read on your iPhone and never leaves it. Available on iPhones with Apple Intelligence: try 3 scans, then scan as much as you like with Premium. FAST EXPENSE TRACKING - Add the amount, title, category, date, payment method, and an optional note - Press and hold the + button on Overview to instantly re-log frequently added expenses - Edit or delete entries anytime - Search your history and filter by category or day BUDGETS AND INSIGHTS - See your monthly total, category breakdown, recent expenses, and today’s and yesterday’s spending - Set a monthly budget and add monthly income to see what is left - Compare this month with last month - Explore 3, 6, or 12 months of spending trends - Review your spending on a calendar RECURRING EXPENSES Set up weekly, monthly, or yearly expenses for rent, bills, and subscriptions. Walti shows what is due and waits for your confirmation before adding anything to your history, so your records stay accurate. Choose a custom icon for each recurring expense. HOME SCREEN WIDGETS Add expenses quickly or check your monthly total, budget progress, categories, and recent activity at a glance. PRIVATE BY DESIGN Your expenses, notes, budgets, and settings stay on your iPhone. Walti has no account system, no ads, no cloud sync, and no behavioral analytics. It works fully offline. Export a JSON backup whenever you want and import it without overwriting existing records. MADE FOR YOU - 12 built-in categories with distinct colors and icons - Choose your currency and switch between 40 app languages - Light, dark, and OLED-black appearance - A daily reminder only on days when you have not logged an expense WALTI PREMIUM Walti is useful from day one for free. An optional one-time purchase unlocks: - Unlimited recurring expenses - Per-category budgets - Unlimited custom categories with your own names, colors, and icons - Full analytics: monthly projection, spending pace, category trends, fixed vs. flexible spending, and weekly patterns - Every accent theme No subscription. Buy once and keep Premium. See where your money goes — privately, simply, and on your terms.