PayShift vs Xpense Budget Manager

PayShift turns your work schedule into your actual take-home pay — automatically. Add a shift with a start time, end time and break, and PayShift instantly works out your gross and net pay, including tax. No spreadsheets, no manual math. SHIFTS & PAY • Add shifts in seconds, with typeable break minutes • Gross and net pay calculated instantly, including tax/contributions • Evening, night, weekend and holiday surcharges, suggested automatically based on the date and time • Track tips per shift — they count toward your net pay, not your tax • Multiple jobs, each with its own rate, tax percentage and surcharges (Pro) ON YOUR WRIST AND HOME SCREEN • Apple Watch app — start, pause and stop a shift right from your wrist • Home Screen widget — see this period's net pay at a glance, no need to open the app • Live Activity on the Lock Screen and Dynamic Island — watch your pay grow while your shift is running SCAN A SCHEDULE PHOTO (Pro) Take a photo of your printed or digital work schedule and PayShift reads out the dates, times — and even the break, if your schedule shows worked hours separately. Review and adjust before importing. Everything is processed on your device; your photo is never uploaded anywhere. SEE THE BIGGER PICTURE • Weekly, 4-weekly or monthly pay periods, aligned to your actual payday • A full year overview with monthly breakdowns and insights • Export any period as a CSV file for your own records STAY IN SYNC • Two-way calendar sync: export shifts to your calendar, or import shifts from any calendar as a starting point (Pro) • Back up and restore your data as a file, any time — for free • iCloud sync across your devices (Pro) BUILT TO RESPECT YOUR DATA PayShift doesn't require an account, doesn't track you, and doesn't run ads. Your shifts and settings stay on your device unless you choose to sync them via your own iCloud account. Available in English, Dutch, German, Spanish, French, Italian, Portuguese and Polish.

Xpense Budget Manager is an iPhone expense and income tracker for logging spending, setting a monthly budget, scanning receipts on your device, and planning recurring bills and subscriptions. It needs no account and no bank connection. You enter or scan your own records, and they are stored on your device and, if iCloud is on, in your own iCloud account. Xpense is free to download. It shows ads and has no in-app purchases. TRACK EXPENSES AND INCOME • Add an expense or income entry with an amount, date, category and optional note. • Start with ready-made categories or create your own while adding a record. • Keep separate books, each with its own records and budget. • Review any period in Analytics: income, expenses and net, with a category chart. Tap a slice to see its share. SET A MONTHLY BUDGET • Set a total monthly budget and optional limits for each category. • Only expenses count against the budget; income is never subtracted. • Optional alerts on your iPhone at 80% of a limit and when a limit is exceeded. SCAN RECEIPTS • Use the camera or choose a receipt photo from your library. • Text recognition runs on your device and suggests the merchant, date and total. • You review and confirm the amount before saving. The receipt photo is not stored. PLAN RECURRING BILLS AND SUBSCRIPTIONS • Repeat income or expenses daily, weekly, monthly or yearly, with an optional end. • See this month's planned amounts separately from your actual records. • A due payment becomes an actual record only after you confirm it. Stopping a repeat keeps past entries. • Track subscriptions with billing dates and optional payment reminders. MORE THAN ONE CURRENCY • Choose a main currency and record entries in other currencies. • Amounts convert with European Central Bank reference rates for the date of each record (the previous business day on weekends and holidays). EXPORT • Export a CSV report for a selected period after watching a short rewarded video ad, when one is available. ADS • Banner ads appear on some screens, an occasional full-screen ad appears after you save entries, and a rewarded video is used for CSV export. • On first launch you choose personalized or limited ads. You can change this at any time in Settings > Privacy and iCloud > Advertising privacy. ALSO • Light and dark appearance, 19 app languages and an in-app help guide. • Delete all of your data from Settings at any time. Xpense is a record-keeping tool. It does not give financial, tax or accounting advice.