Pip vs Expensify
Short answer: Expensify is expense-report software for companies; Pip is a private ledger for you. If you need to submit reimbursements to an employer with approval workflows, use Expensify — that is its job and it is good at it. If you want your own receipts read, organized and kept private, that is the job Pip was built for.
We build Pip, so read this the way you'd read any vendor's comparison: check the claims. Every Pip claim here is verifiable in our privacy policy's data map.
The one-table version
| Pip | Expensify | |
|---|---|---|
| Built for | Personal receipts, household budgets | Company expense reports and reimbursement |
| Platform | iPhone only | iOS, Android and web |
| Across your devices | Not yet — receipts live on the device that saved them. Sync through your own private iCloud is built and switched off | Syncs through Expensify's cloud |
| Receipt photo | Stays on your device — servers cannot receive an image | Uploaded to Expensify's cloud, where SmartScan reads it |
| Text extraction | On-device OCR; redacted text only sent for AI interpretation, then deleted | Server-side scanning of the uploaded receipt |
| Review before saving | Every scan — Pip shows its evidence and asks about what it's unsure of | SmartScan fills fields; you can edit afterwards |
| Currency conversion | ECB rate for the receipt's own date, original always kept | Designed around company reporting currencies |
| Approval workflows, reimbursement, corporate cards | None — deliberately | Yes — this is the core product |
| Free tier | 30 AI scans/month + unlimited manual entry, 2 wallets, CSV export | Free tier exists; oriented to teams and cards |
Choose Expensify if…
- Your employer reimburses you and needs reports in a specific format.
- You manage a team's expenses, cards, or approvals.
- Receipts are a work obligation, not your own record.
Choose Pip if…
- The receipts are yours — groceries, warranties, travel — and you want them readable years later.
- You care where the photo goes: with Pip it goes nowhere.
- You want item-level search ("what did milk cost last year?"), budgets with pace, and honest historical currency conversion.
See how Pip works, screen by screen, or get it on the App Store.