A plain comparison
Categories only. No other product is named, and no prices are copied from someone else.
| PixiMoney | Spreadsheet | Bank-sync budgeting apps | |
|---|---|---|---|
| Bank login | Not required | You type it | Usually required |
| Where data starts | On your device | In the file | On their servers |
| Receipt photo | Yes | You attach it | Varies |
| Safe to spend | Yes | You build the formula | Often yes |
| Sells your data | No | Depends on the file host | Read their policy |