OffRisk vs Lucia

Take control of your money in minutes. OffRisk shows you where it goes, helps you budget, and warns you before you blow past your limit. ▸ LOG IT IN SECONDS Add expenses and income instantly. Capture Apple Pay purchases, or log one with a double tap on the back of your iPhone (Back Tap) — without ever opening the app. Check your balance straight from a Home Screen widget. ▸ BUDGETS THAT ACTUALLY WORK Set a limit per category and get a heads-up as you get close. Create savings or income goals and watch your progress day by day. ▸ UNDERSTAND YOUR MONEY Visual stats for every month: where you spend the most and how you're trending. Plus a clear projection of how your month is shaping up, explained in plain language. ▸ SCAN AND DONE Snap a photo of a receipt and OffRisk pulls out the amount, category and date for you with AI. ▸ LEARN AS YOU GO An AI financial education assistant answers your questions, runs projections and helps you build better habits. ▸ YOUR PRIVACY FIRST Your receipt photos are never stored — they're processed and discarded instantly. ▸ AND MORE • Automatic recurring payments (rent, subscriptions, paycheck, etc) • Multi-currency support • Export your transactions to CSV • Available in English and Spanish —— OFFRISK PRO —— Unlock recurring transactions, unlimited categories, AI receipt scanning, the AI financial assistant, advanced stats and CSV export. Includes a 7-day free trial. • Monthly or yearly auto-renewing subscription. Start free today and find out where your money is really going. Note: OffRisk provides financial education and organization tools; it does not constitute professional financial advice.

Lucia logs your spending for you. Link Wallet once and every Apple Pay purchase is saved and categorized in the background — cash and other payments take a single tap. No subscription. No account. No servers of ours — your data lives on your device and in your own iCloud. Pay once and Lucia is yours for good. — LOGS ITSELF Purchases arrive already sorted into the right category, with an optional confirmation banner so you stay in the loop. Apple Pay purchases in another currency are converted to yours at the day's rate. Prefer your voice or a button? Log by Siri, from the Action Button, with Back Tap, or straight from the Home Screen widget. Cash, and anything paid another way, takes one tap. — SHARE A PROFILE Share a profile through iCloud with the people you live or travel with. Everyone can add to it, each transaction shows who added it, and budgets, savings and goals stay in sync for all of you. — RECURRING AND INSTALLMENTS Add your subscriptions from over 100 services, each shown with its logo, and see what renews next and what you've paid this month. Bills and credit card installments go there too, repeating weekly, twice a month, monthly, every 3 or 6 months, or yearly. Each installment counts in its own month, and you always see what you still owe. Note how you paid (credit card, debit card, cash or transfer) and see how much went through each. — TRACK WHAT MATTERS Log income and expenses across fully customizable categories. See exactly where your money goes with clean weekly and monthly breakdowns. — SPENDING LIMITS Set monthly limits per category and get a clear visual warning before you overspend. Stay in control without obsessing over every transaction. — VAULTS Save in vaults for anything: a trip, an emergency fund, a new gadget. Each can have a goal and a date, and an interest rate if your bank pays one. Add money, withdraw it, or use it to pay for a purchase, and always see what's available and what's saved. — HOME SCREEN WIDGET Glance at your balance and recent spending right from your home screen. No need to open the app. — SYNCED THROUGH YOUR ICLOUD Your transactions, budgets and vaults appear on every device you use, and come back on their own after a reinstall or a new phone. Your iCloud, never our servers. — ONE-TIME PURCHASE No subscriptions. Pay once, use forever. Lucia is free to try — unlock full access with a single lifetime purchase. — BUILT FOR PRIVACY Your financial data is yours. Lucia keeps everything on your device and in your own private iCloud, where only you, and anyone you share a profile with, can reach it. No account, no servers of ours, nothing for anyone to read — not even us. — DESIGNED FOR iPHONE & iPAD Lucia is built natively for iOS and iPadOS with support for Dark Mode, Dynamic Type, and every screen size. Your finances, your device, your rules.