Pigni vs Flower

Pigni is a local-first expense tracker that turns screenshots, voice notes, manual entries and imported bills into records you can review before saving. With Pigni, you can: • Review spending with calendars, trends and category reports; • Extract candidate details from bill screenshots and confirm them before saving; • Create entries quickly with voice or natural language; • Manage multiple ledgers, budgets, accounts, tags, refunds and reimbursements; • Import and export data, with optional iCloud backup; • Configure a compatible provider for optional AI-assisted organization and analysis. Your ledger stays on your device by default. Camera, photo, microphone, speech recognition, notification and biometric permissions are requested only when the corresponding feature needs them. Third-party AI, iCloud backup and feedback are used only when you configure or start them. AI and OCR results may be incomplete or incorrect. Verify important financial records against your bank, payment provider or official receipt. Some advanced features require membership; prices, periods and renewal details are shown on Apple's purchase confirmation screen. Privacy Policy: https://lagomfan.github.io/pigni-legal/privacy/ User Agreement: https://lagomfan.github.io/pigni-legal/user-agreement/

Flower brings your expenses, budgets, and wallets together in a personal space. Keep everyday records clear, then revisit the places and moments behind the numbers. RECORD YOUR WAY Add expenses and income, organize categories and subcategories, and attach photos or places. Review CSV/XLSX records before importing them; with Flower Plus you can also scan receipts, read payment screenshots, or record by voice. Suggestions based on your own history help with familiar purchases. MULTIPLE LEDGERS, A CLEARER VIEW Flower Plus lets you create additional ledgers for different purposes, each with a name and a Flower library icon. Switch between one ledger and all ledgers; records, maps, statistics, and recaps follow your selection. Wallet and account balances belong to you across all ledgers. SEE WHERE YOU SPENT Explore saved locations on your Spending Map, from familiar streets to places visited further afield. Search for a place and look through records nearby. Photos and locations are free to add, and this week’s map is free to view. REMEMBER YOUR MONTH A completed month becomes a Monthly recap with photos, places, spending patterns, and changes. Explore your monthly imprint and revisit a Story with a few words to remember the month by. Every finished month also becomes a page in your Flower yearbook. Turn through the year like a book: each day’s photos sit on a calendar, days without photos are shaded by what you spent, and a map marks the new and familiar areas you visited. When something you buy becomes a habit, Flower notices. Your profile shows each spending habit’s rhythm, its usual places, and about how much it costs in a usual month. Records with similar names can be merged into one. Your first month’s recap and yearbook page are free, and basic weekly, monthly, and yearly statistics remain free. ORGANIZE YOUR MONEY Bring cash, bank accounts, credit accounts, and multi-currency wallets together. Track transfers, recurring items, split expenses, and repayment records. Investment accounts are for keeping your own records. PLAN AND PERSONALIZE Set an overall budget or a separate budget for each saved ledger and see what remains. Choose Card Holder styles, arrange embossings, and give categories a little personality with miniature, felt, and other icon collections. FLOWER PLUS Flower Plus lets you create additional ledgers; add reimbursement details, installment schedules, or discounts to records; record refunds; add transfer fees; and create or extend shared credit accounts. Shared credit groups cards under one limit while keeping each card’s debt separate. Other benefits include receipt and screenshot scanning, voice entry, split and multi-currency records, private iCloud sync, full-ledger PDF/CSV export, historical Spending Maps, every month’s recap and yearbook page, spending habits and places, hidden balances, account archiving, and expanded asset and Card Holder capacity. Some appearances are sold separately. See the in-app offer for current plans and included features. If a subscription expires, your saved data stays. You can keep using saved ledgers, record in active ones, rename or archive them, correct or remove saved premium details, receive reimbursements, and stop existing installment plans. Due installments from existing plans continue to create records. You can correct saved transfer fees and shared limits, remove cards from a shared group, or record repayments. Recorded refunds and archived accounts stay, and balance hiding can be turned off at any time. Creating new paid configurations requires Flower Plus. Settings → Feature display controls which tools are shown. It does not unlock paid features. A locked action opens Flower Plus; a verified purchase or restore returns you to that action. Cancelling keeps your draft. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/