How SumMoney compares.

On your iPhone and Mac, as a local database. Sync keeps both in step.

Yes. The ledger is sealed on your devices before it syncs; the relay only ever holds ciphertext.

Yes, everything, instantly. Sync catches up when a device is online.

A sealed backup file you download and keep. It opens with a file password you choose or with your Emergency Kit's twelve words; Check proves a file in hand still opens and rebuilds.

Every change to a transaction's category and allocation is logged: who or what decided, from what, to what, when.

A receipt is read on the device and held as structured content on its transaction: vendor, date, total, tax and GST, subtotal, discounts, every line item, and business identifiers (ABN, ACN, EIN, VAT, NZBN).

Snap on iPhone, drop files on the Mac window, forward to your own receipts address (approved senders; new ones held for you), or let it read a Gmail, Microsoft, Zoho or IMAP mailbox and show what it found.

Receipts are read on the device. Where Apple's on-device model is available it is used for checks on your own records (for example whether a borderline name is really a name); the answer is a proposal you decide on.

Invoices, statements, insurance policies, warranties, renewal notices, prescriptions, immunisation records, business cards and identity or formation documents, each recognised as its own kind and filed to the transaction, person or entity it belongs to.

Import a PDF or CSV statement and it becomes a checklist: lines it is sure of are matched, the rest you confirm, create or park.

Pivot tables on the Mac: both axes are hierarchies (group, sub-group, line), the value is Net, Income, Spending or Entries, any field can be a row or column (category, vendor, account, tag, month, quarter), layouts are saved, every cell drills into its transactions, and the table copies or saves as CSV.

Every vendor has a page: everything you have paid them, alerts and activity, locations with a map, opening hours, the card on file, verified contact details, messages and calls, and the person or entity it is linked to.

Bank descriptions become vendors on the device, free, built from your own transactions.

Yes, on iPhone and Mac: how much on groceries last month, what is due this week, log a coffee by voice.

CarPlay, two driving tasks approved by Apple (2026-10-13): log an expense by voice and hear what is due.

Each transaction keeps its own currency; the Overview sums them in the one you choose, and a foreign amount shows both.

Yes: a sidebar of every section, a register you can work in for hours, pivot tables, statement batches, drop files straight on the window, Quick add, Quick Find.

iPhone.

No. Billing and your account on the web only; the ledger never lives in a browser.

United States and Canada (Plaid), Australia (Basiq), Revolut Business directly.

Yes, per account: invite your partner or family and they see it on their own devices, sealed the same way.

Every new account starts with a free trial, no card needed.

Published at release. Early members keep the founding rate.

Personal and household, with people and entities (a business, a trust) you define once and apply to accounts.

Subscription. No ads, no selling of data, no lender commissions.