PayShare is a personal finance app for tracking expenses, income and savings — on your own or shared with people you trust. Everything stays private in your iCloud. No third-party servers, no compromises.
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Privacy-first sharing
Connect with friends or family to share expenses without giving up control of your data. Your financial ledger stays in your private iCloud while shared transactions sync instantly.
- Instant sync: Changes appear on all devices in real time
- Two-way sharing: See their expenses, income, and savings, they see yours
- Selective privacy: Hide specific transactions from certain connections
- Your data, your control: Transactions stay in your private iCloud permanently
- Independent connections: Remove someone at any time without affecting their data
- Granular permissions: Choose which connections can delete your transactions or split them
- Available in 10 languages: English, Danish, Dutch, Finnish, French, German, Italian, Norwegian, Spanish, Swedish
Apple Wallet automation
Log expenses without opening the app. After a purchase, a Shortcuts-powered notification asks you to categorize it — and it’s recorded instantly.
- Automatic capture: Transaction data comes straight from Apple Wallet (requires one-time Shortcuts setup — see the FAQ on the website)
- Smart categorization: A pop-up after each purchase lets you pick the right category — no need to open the app
- Siri Shortcuts: Use voice commands to add expenses or income hands-free — “Add expense in PayShare” or “Add income to PayShare”
- Income shortcuts: Separate Shortcut for adding income with category picker, amount detection, and location tagging
- Full automation: Build custom workflows with Shortcuts for cash, transfers, or recurring flows
- Incomplete data handling: If a shortcut run is missing an amount, PayShare sends a notification with an “Edit Transaction” button so nothing falls through the cracks
Transaction tracking
Stay on top of every expense, income deposit, and cash flow.
- Expenses and income: Full support for both — track what you spend and what you earn
- 3 months of history for free (unlimited with Premium): Every transaction recorded and searchable
- Smart organization: Many built-in category icons and the ability to add custom colors (10 categories free, unlimited with Premium)
- Tags with colors: Flexible tagging for filtering and grouping transactions your way (5 tags free, unlimited with Premium)
- Advanced search (Premium): Filter by category, tags, location, and custom date scopes — edit transactions right from the results
- Multi-currency (Premium): Toggle between your primary and secondary currency across Timeline, Analytics, and Plans
- Recurring templates (Premium): Set up templates for subscriptions, salary, and regular bills — they generate automatically on schedule
- Payment methods: Tag transactions with desired label: card, cash, or other custom payment types
- Location tagging: Auto-fills the city, country — or falls back to recent locations
- Notes: Add context to any transaction
- Transaction splitting (Premium): Break a single payment into multiple categories — split a grocery run across food, household, and personal care without creating separate entries
- Bookmarks (Premium): Flag transactions and see how much time has passed since they occurred — track how long ago you paid a deposit, started a subscription, or made a significant purchase
- CSV, JSON, and PDF export: Export your data in the format you need — CSV for spreadsheets, JSON for developers, PDF for records
- Import from CSV and JSON: Bring in transactions from CSV or JSON files
Budgets and savings
Turn financial goals into reality with smart budgeting.
- Monthly budgets: Set a total spending limit for each month (3 free, unlimited with Premium)
- Category budgets: Track spending against targets per category
- Earned budgets: Unlock extra budget room by hitting activity goals like steps, running, or mindfulness minutes (requires HealthKit on iPhone and iPad)
- Activity budgets: A second budget type — locked until you meet your health goals, with monthly or weekly windows
- Savings goals: Track multiple savings targets with contribution history (2 free, unlimited with Premium)
- Multi-month view (Premium): Compare budgets across different months
Analytics
Understand your financial patterns.
- Flexible grouping: Analyze by category, tag, merchant, location, or recurring pattern
- Separate views: Switch between expenses and income analysis
- Monthly and yearly views: See your data by month or by full year (past years require Premium)
- Drill-down (Premium): Tap any segment to see the transactions behind it
- Multi-user analytics (Premium): Combine insights across your connections
- Bookmark analytics (Premium): See how long ago a certain transaction was done
Home screen widgets (Premium)
Three widget sizes keep your finances visible at a glance — today’s expenses (small), today’s expenses (medium), and monthly spending by category (large).
Built for Apple
PayShare is designed exclusively for the Apple ecosystem — iPhone, iPad, and Mac.
- iCloud sync: Everything syncs automatically and securely across your devices
- Native performance: Fast, responsive interface that feels like part of your device
- macOS support: Full Mac app with keyboard shortcuts (Cmd+W to close, Cmd+S to save, Escape to dismiss)
- Dark mode: Light, Dark, or follow your system setting
- Default tab: Choose whether the app opens to Timeline, Analytics, or Plans
- 8-screen onboarding: Guides you through notification permissions, location access, and HealthKit (on iPhone and iPad)
Privacy and security
Your financial data deserves the highest protection.
- No third-party servers: Data never leaves Apple’s ecosystem
- Bank-level encryption: All data encrypted through Apple’s secure infrastructure
- Works offline: Access your data anytime — it syncs when you’re back online
- Complete ownership: Your data stays in your iCloud permanently. Delete it anytime
- Data backup: Create and restore up to 10 local backups with integrity checks — rollback if anything goes wrong
- CSV safety: Imported CSV files are sanitized against formula injection attacks
iPhone & iPad
- Full HealthKit integration: track steps, running, and mindfulness minutes to unlock Activity budgets (earned and protected modes, monthly or weekly windows)
- Apple Wallet automation with Shortcuts — category pop-up after purchases
- All three Home screen widget sizes available (today’s expenses, monthly by category)
Mac
- Activity budgets are hidden — HealthKit is not available on macOS
- Widgets available in Notification Center
Pricing
Free users get unlimited transaction tracking, basic analytics for the current month, simple search, up to 3 category budgets, and 2 savings goals — with a 3-month history window.
Premium unlocks split transactions, recurring templates, hide-from-connections, advanced analytics with drill-downs, multi-month and yearly views, bookmarked transactions, CSV/JSON/PDF export and import, unlimited category budgets, unlimited savings goals, activity budgets, connection history and analytics, multi-user analytics, Home screen widgets, currency toggle, and advanced search.
Premium is available as a monthly or annual subscription, or a lifetime one-time purchase. One subscription covers up to 5 family members via Family Sharing.