Budget Flow vs EXPND

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

EXPND is a simple way to keep track of your money, and it all stays on your phone. There's no account to create, no cloud, and no ads. Add what you earn and what you spend, move money between accounts, and see what you're actually left with. Fast entry. Adding a transaction takes a few seconds. Accounts. Cash, bank, cards, and transfers between them. Budgets. Set a monthly limit per category and watch it through the month. Savings goals. Pick a target and track your progress towards it. Recurring transactions. Rent, salary and subscriptions get entered once. Analytics. Charts that show where your money actually went. Receipts. Attach a photo to any transaction. Widget. Your net balance on the home screen. EMI calculator. Work out loan repayments. Face ID lock, so nobody else can open it. CSV export and import, so you can take your data with you. The app works offline. There are no servers, no analytics, and nothing is tracked.