Expensify

Expensify built its name on corporate expense reports, the kind an employee files after a business trip, with SmartScan reading receipts and auto-filling the amount, merchant, and date. That same scanning and categorization engine sits underneath a free personal-use tier, which lets someone use the app to log and sort their own spending the same way they’d log a work expense, snap a photo of a receipt and let the app extract the details rather than typing in a transaction by hand.

There’s no cost for personal use, since Expensify makes its money from the business side of the product, corporate accounts, integrations with accounting software, and per-report fees companies pay. It doesn’t offer budgeting tools like spending limits or savings goals, the personal tier is really just the receipt-scanning and categorization tool repurposed. It makes the most sense for someone who already has Expensify open for work and would rather track personal spending in the same app than install something new just for that.