Budget Flow vs TYM

Budget Flow is a smart, private money tracker with a built-in AI assistant. Log income and expenses in seconds, see where your money goes, and plan ahead — in any currency. FEATURES • Track income & expenses by category • Multi-currency accounts (cash, card, bank, savings) • AI assistant — just ask "how much did I spend on food?" • Smart auto-categorization of transactions • Monthly reports & charts by category • Spending planner with month-to-month carry-over • 5 languages, light & dark themes Your data is yours: delete your account and all data anytime. Support: https://budget-ai-production-cfbf.up.railway.app/support Privacy: https://budget-ai-production-cfbf.up.railway.app/privacy

TYM is a personal budgeting app that keeps all your data on your device. You don't create an account or connect a bank. Nothing is stored in the cloud, and every transaction you enter stays on your iPhone, iPad, or Apple Watch. Our App Store privacy label reads "Data Not Collected" because TYM does not send your financial data to any server we operate. What you track is yours alone. TYM works out a daily allowance from your remaining budget, your upcoming bills, and the days until your next income. It then shows a safe-to-spend balance, the money you have available after your committed expenses and goals. You can see what you can spend today instead of guessing from your bank balance. FREE FEATURES - Unlimited transactions for expenses, income, and transfers - Unlimited custom categories with emoji icons - Up to 3 budgets with progress bars - Up to 3 recurring transactions - 365-day transaction history - Daily allowance and safe-to-spend - Budget rule with 2 presets (Classic 50/30/10/10 or Essentials First 60/25/10/5) - Everyday accounts (checking, savings, credit, cash) with balances and basic net worth - 2 insight cards that highlight patterns in your spending - 1 savings goal - On-device AI assistant: 5 messages a day, with unlimited logging and spending search by typing - No-spend day tracking and streaks - Bill reminders - Face ID, Touch ID, or passcode lock - Apple Watch app to view balances and log expenses - Universal app for iPhone and iPad - Read-only Home Screen widget - 3 themes and 3 fonts TYM PRO ($4.99/month or $39.99/year) - Unlimited budgets, recurring transactions, and history - Wealth accounts (investments, retirement, crypto, loans, mortgage) for a full net-worth picture - Unlimited on-device AI assistant. Ask about your money, or describe a purchase in plain language and TYM logs it - All 6 insight cards and 6-month trend charts - Custom budget rule, plus every preset - Unlimited savings goals with progress bars - Budget rollover (optional, off by default) - 12 themes and 10 fonts - Export to CSV and PDF - iCloud sync across your devices - Quick-add Home Screen widget and full Apple Watch - Siri integration ON-DEVICE AI TYM's AI assistant runs on your device using Apple Foundation Models. Your financial data is never sent to a cloud or third-party AI service. It needs an iPhone with Apple Intelligence (iPhone 15 Pro or later) on iOS 26 or later. ABOUT MANUAL ENTRY TYM uses manual entry by design. Logging each transaction takes a few seconds and keeps you aware of your spending. There is no bank sync and no automatic import, so there are no bank credentials to store or protect. ABOUT PRIVACY TYM does not collect or transmit personal or financial data to any server operated by Tera Labs LLC. When iCloud sync is enabled (PRO), your data syncs through your personal iCloud account, managed by Apple under their privacy policy. Tera Labs LLC has no access to your iCloud data. SUBSCRIPTION INFORMATION TYM PRO is an auto-renewable subscription, offered monthly ($4.99) or yearly ($39.99). Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the period. Manage or cancel anytime in your device Settings under your Apple ID. Family Sharing is supported. Terms of Use (EULA): https://teralabsllc.com/#terms Privacy Policy: https://teralabsllc.com/#privacy