Offin vs TapExpense

Offin is a private budget and expense tracker that runs 100% on your iPhone. Import your bank statements as PDF or CSV — on-device AI categorizes months of history in seconds. No bank login. No subscription. PAY ONCE. OWN IT FOREVER. No monthly fees, no annual renewals, no "premium" upsell. One purchase unlocks everything, for life. STOP TYPING TRANSACTIONS BY HAND Other trackers make you enter every coffee manually. Offin gives you four faster ways in: → Import bank statements — drop in PDF or CSV statements from your bank and watch months of history appear in seconds. → Tap with Apple Pay — purchases logged automatically via Shortcuts. No bank link, no credentials shared. → Just say it — voice input turns "twelve dollars at Chipotle" into a categorized transaction. → Type it — quick manual entry when you want it. AI THAT WORKS WITHOUT THE INTERNET Offin categorizes every transaction with an on-device machine learning model built for US spending — and uses Apple Intelligence on supported iPhones. Nothing ever leaves your phone. Don't agree with a category? Create your own categories and set custom rules, and Offin follows your system automatically from then on. SEE EXACTLY WHERE YOUR MONEY GOES → Net worth graph, daily spending, and monthly reviews on one home screen → Budgets with live progress → Upcoming bills and cash flow, so nothing surprises you → Insights with spending and savings charts, top merchants, and trends → Every account in one activity feed with powerful search and filters → Detailed per-account views PRIVATE BY ARCHITECTURE, NOT BY PROMISE Most finance apps ask you to hand over your bank credentials to a third-party aggregator. Offin never connects to your bank at all. Your data lives in one place — your phone — protected by Face ID. It works with no internet connection, because it never needs one. WHO IT'S FOR Anyone who wants a real budget and expense tracker without surrendering bank logins, paying rent on their own data, or becoming the product. Download Offin. Import a statement. Know your money in five minutes.

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/