Tracaura vs PennyPilot

Know what's safe to spend today. Your bank balance doesn't know your rent is due, or that you meant to save this month. Tracaura does. It sets your savings and rent aside first, then shows the one number that's actually yours to spend today. Log what you spend and watch the number move. That's the whole idea. SET UP IN A MINUTE Tell it roughly what you earn, what your rent is, and how much you'd like to save. One question per screen, and you see your daily number as you go. WHAT YOU GET • A daily safe-to-spend number that updates the moment you log something • Savings protected first, before you spend a cent • Rent and subscriptions set aside automatically each month • Scan a receipt instead of typing it • AI insights that notice patterns you'd miss, like the weekday that costs you most • A monthly roast: a funny, honest money personality made from your own numbers • A breakdown of every month, category by category • A weekly check-in that takes five seconds • Optional reminders, with a little personality NO BANK LOGIN. EVER. Tracaura never connects to your bank, so no banking details are ever shared. You enter what you spend; nothing is guessed. PRIVATE BY DESIGN • No ads, and nothing follows you to other apps • Your financial data is never sold • Your account and history are stored in Canada • No shame: no red alarms, no lectures about coffee RECEIPT SCANNING Point your camera at a receipt and the total and merchant are filled in for you. The photo is read once and never stored. FREE AND PREMIUM Free includes your daily number, 10 receipt scans a month, and 2 AI insights every 3 days. Premium adds 5 fresh insights every day, unlimited scans, your monthly roast, and every month you've ever tracked. ABOUT THE AI Insights and the monthly roast are generated automatically from the numbers you enter. They're observations, not financial advice. Nobody at Tracaura is a financial adviser. If a topic doesn't land, tap "Never show this" and it won't come back. Terms of Use: https://tracaura.com/terms Privacy Policy: https://tracaura.com/privacy

PennyPilot shows you where your money actually goes — what you own, what repeats every month, and where this month is heading — without an account, an ad, or a server holding your finances. SEE THE WHOLE PICTURE • Net worth across every account, with snapshots you can take and a history to look back on • A projection for the month, so you know where you land before you get there • Budgets by category, upcoming bills, and progress toward savings goals • A dashboard you can rearrange to put what matters to you at the top ALIGN EVERYTHING TO ONE CADENCE This is the part you won't find elsewhere. Re-express every recurring amount in a single cadence and compare things that were never comparable. See a quarterly insurance bill and a monthly subscription as what they each cost per paycheck. Daily, weekly, biweekly, twice a month, monthly, quarterly, semiannual and yearly are all supported. TRACK WHAT REPEATS • Salary, rent, subscriptions and bills post to your ledger automatically on schedule • Every row shows its real amount and its converted per-cadence figure side by side • Optional reminders before a bill is due • Spot subscriptions hiding in your spending, with a direct link to manage or cancel them SPLIT COSTS WITHOUT SHARING EVERYTHING Split an expense any way you like, invite a partner or housemate to a shared group, and see who owes what. Shared through iCloud, between you and the people you invite. Only that group is shared — your accounts, balances and everything else stay yours alone. UNDERSTAND YOUR SPENDING • Category breakdowns with a donut chart and ranked percentages • Net trend over time, and a forecast of the month ahead • The annualized weight of your fixed commitments, in one number • A calendar view of everything landing this month • On devices with Apple Intelligence, a plain-language read on your spending, generated entirely on your iPhone or iPad PRIVATE BECAUSE OF HOW IT IS BUILT • No account. You never sign up, and there is no password to lose • No ads, no analytics, no trackers, no third-party SDKs • Nothing is sent to us — there is no server on our end to send it to • Turn on iCloud Sync and your data goes to your own private iCloud, under your Apple Account, which we cannot read • Lock the app behind Face ID, hide every amount with one tap, and blur your finances in the app switcher • Erase everything from the device whenever you want BRING YOUR DATA IN AND OUT PennyPilot does not ask for your bank login, and does not use an aggregator — those route your credentials through someone else's servers. Instead, export a CSV statement from your bank and import it here. Columns are detected automatically and you review every row before it is saved. Export back out to CSV any time; nothing is locked in. ALSO INCLUDED • Home Screen widgets • Full iPad layout with a sidebar, not a stretched phone app • English and French • Built with SwiftUI and designed for Liquid Glass on iOS and iPadOS 26 PennyPilot is a tracking and budgeting tool. It does not provide financial, investment or tax advice.