Wallet by BudgetBakers is a Czech-origin app with strong multi-currency and cloud accounts. Cash Compass is iCloud-native and US-focused.
Apple-native · No bank logins · iCloud sync
Wallet by BudgetBakers syncs through their own cloud servers under a Wallet account, which works across iPhone, Android, and web. Cash Compass uses your existing iCloud account on each Apple device with no third-party account. If your household and devices are all Apple, the setup is one less password to manage and the data lives in Apple's encrypted container instead of a Czech-hosted cloud.
Wallet's Premium tier runs roughly $28 a year and Plus is around $40 a year, with shared accounts as a paid feature. Cash Compass Premium is $29.99 a year flat with Apple Family Sharing for up to 5 household members included at no extra cost. Each person uses Cash Compass on their own iPhone with shared Premium under your existing Apple Family group.
Wallet's entry is amount, category, account, note. Functional but slow. Cash Compass parses voice ("twelve dollars on coffee") into amount, merchant, and category in about three seconds, with receipt scanning as a second option. The free tier includes basic voice within a monthly limit. Premium unlocks unlimited voice, unlimited receipts, CSV export, and the Family Sharing seat-count.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
Wallet by BudgetBakers is a Czech-origin app (BudgetBakers is based in Prague, like Spendee) with a long history in European markets. Its strongest features are multi-currency support, which matters for users who handle EUR, USD, GBP, and CZK in the same month, and cross-platform sync that covers iPhone, Android, and web. Wallet's bank-sync coverage is strong in the EU through Open Banking and reasonable in the US through Plaid. The free tier is genuinely usable for manual entry, with Premium and Plus tiers unlocking unlimited accounts, advanced reports, and shared budgets. If multi-currency is a daily need or your household is mixed-platform, Wallet is one of the most capable options in that geography.
Partially. Wallet supports CSV export from their web app and iOS app. Cash Compass doesn't auto-import Wallet files yet, but you can use the export to identify your active categories and rebuild them in Cash Compass. The migration is more involved if you actively used multi-currency wallets in Wallet, because Cash Compass is currently USD-only and doesn't handle live currency conversion. For users who tracked exclusively USD spending in Wallet, the move is straightforward: 8 to 12 categories recreated as Cash Compass caps, fresh start from the current month. Keep the Wallet CSV archived for tax records. The Wallet multi-account model collapses naturally into Cash Compass's unified category view.
Smaller data surface, yes. Wallet's value depends on cloud sync through BudgetBakers' servers under a Wallet account, plus optional bank-sync through aggregators for users who turn it on. Their privacy policy is GDPR-compliant and reasonable for the model. Cash Compass has no bank connection of any kind and stores entries in your private iCloud container, encrypted by Apple, with no Cash Compass user database holding your data. The trade-off is platform: Wallet's cloud-account architecture is what enables Android and web access. Cash Compass's iCloud-only architecture only works on Apple devices. For all-Apple households, the privacy math favors Cash Compass; for mixed-platform households, Wallet's cloud account is necessary.
No, not at this level. Wallet handles multi-currency well: per-account currencies, live conversion, multi-currency reports. It's one of the better tools in the category for international users and frequent travelers. Cash Compass is currently USD-focused with no live currency conversion. If you regularly handle EUR, GBP, CZK, or similar alongside USD, Wallet (or Spendee) is the better fit. For users tracking primarily US spending with occasional foreign-currency travel, you can convert foreign-currency entries to USD before logging them in Cash Compass, which is fine for occasional use but not for someone who actually lives across currencies. The geography of your spending is the main decision factor here.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
Install Cash Compass on iPhone, iPad, or Mac. Recreate your top categories as caps and start logging tonight. $29.99 a year flat.
Download Cash Compass on the App Store