# LazyFinance

> LazyFinance is a free, private iOS expense tracker. Say or type a purchase and on-device AI categorizes it — no bank connections, no manual spreadsheets.

## What is LazyFinance?
LazyFinance is a free iOS expense tracker for the iPhone, available on the App Store. It is voice-first: say or type a purchase and the app categorizes it automatically. AI runs on-device by default (100% on-device on the free tier), no bank connection is required, and a Pro subscription adds iCloud sync across Apple devices. No account is required to use the app.

## Features
- Voice Recognition — say a purchase and it is categorized (Basic on Free, on-device).
- 100% On-Device Privacy — expenses are processed on your device by default (Basic on Free).
- Excel Exports — 5 per month on Free, unlimited on Pro.
- Payment Methods — up to 2 on Free, unlimited on Pro.
- Smart Insights — Pro.
- Custom Categories — Pro.
- iCloud Sync — Pro.

## Pricing
- Free: voice recognition (on-device), 5 Excel exports/month, up to 2 payment methods.
- Pro: unlimited exports, unlimited payment methods, Smart Insights, Custom Categories, iCloud Sync.
- Compare plans: https://lazy-finance.com/compare-plans

## Privacy & Data
- Default: 100% on-device processing; no third-party AI unless the user opts in.
- Optional cloud AI (Pro): only with explicit permission in Settings > AI; forwarded through OpenRouter to Google Gemini providers (see privacy policy).
- Sync (Pro) keeps data in the user's personal iCloud.
- No bank connections, no account required to use the app.
- Privacy policy: https://lazy-finance.com/privacy

## Contact
- victor@lazy-finance.com

## Links
- Home: https://lazy-finance.com/
- Compare plans: https://lazy-finance.com/compare-plans
- Privacy policy: https://lazy-finance.com/privacy

Last updated: 2026-08-07