Paykeep vs TapExpense

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess. Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for. Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you. WHAT IT DOES - One steady number to live on: everything above it is a bonus - Always know what has come out this month, and what is still to pay - Months run payday to payday, so the bills reset the day you are paid - Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money - Pay stubs pre-fill from the last one: entry is a check, not a chore - Variable bills like groceries and electricity learn from what they actually cost - Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals - Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands - Savings pots and loans on honest bars: the goal, the plan, and the truth - A plain-words summary that reads your month back to you SET UP ONCE Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month. PRIVATE BY DESIGN No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay. ONE MONTH FREE Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only. Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://brambleapps.com/paykeep/privacy-policy.html

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/