Chronicle vs Payday Flo

The easiest, fastest bill manager in the App Store. A universal app for iPhone & iPad, with multitasking on iPad. Cloud sync works across all iOS devices plus Mac with the available Mac version. If you pay bills, you need Chronicle. Here's why: A single late payment can cost you $30 or more and cause your credit score to plummet by up to 100 points. Chronicle reminds you to pay your bills, so you can just enter them, and forget about them. Plus, Chronicle syncs with the available Mac version, so you can view and pay your bills everywhere. In addition to reminding you to pay your bills, Chronicle keeps track of all your payment history, including confirmation numbers, so you always have proof of payments. New to Chronicle is the Pro version. Available as an in-app purchase, Chronicle Pro gives you access to all new features of Chronicle as they are updated. Currently available features in Chronicle Pro: Forecast View: See the future—see what will be due every month for a year in advance. Amount to Save: Stop bills from sneaking up on you. Many bills don’t repeat every month: for these bills, Chronicle will calculate how much you need to set aside each month so that you have enough to pay it when it comes due. For example, you may have an auto insurance bill of $500 that is due every 6 months. Chronicle will calculate that you need to set aside $83.33 each month in order to have enough to pay the bill each time it is due. Intelligent Estimated Amount Due: Helps you know how much will be due for bills that vary. Using the type of bill, your payment history, and the time of year, Chronicle will intelligently calculate an estimate of how much is due. For example, Chronicle will be able to learn if your electric bills are higher or lower in the winter, and estimate accordingly. Chronicle Cloud: Backup your bills to the cloud, sync across all your iOS devices, and share with a partner, spouse or business associate. Chronicle Pro is an auto-renewing subscription. Subscription automatically renews unless canceled at least 24 hours prior end of the subscription. Payment will be charged to your iTunes Account at confirmation of purchase. You may cancel or disable your subscription by going to your App Store Account Settings after purchase.  Chronicle Pro is subject to the terms of use shown here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/  You can find the privacy policy for Chronicle Pro here: http://chronicleapp.com/privacy-policy/

Payday Flo is built for people who get paid every two weeks and budget one paycheck at a time — not people with a steady monthly salary and a spreadsheet. Tell it what you earn and what you owe. Every payday, Flo shows you exactly which bills this check has to cover, what's already handled, and what's genuinely free to spend. PLAN EVERY PAYCHECK • See what each check must cover before the next one lands • Bills bucket sizes itself automatically from your real bills • Add a buffer for variable bills like utilities • Split the rest across spending, savings and debt KNOW WHAT'S COVERED • A running reserve that carries leftover money forward • Cash you already have counts toward your bills • Forecast the next several paydays and spot a shortfall early • Clear warning when bills outrun your income BILLS THAT KEEP THEMSELVES STRAIGHT • Weekly, monthly and yearly recurring bills roll forward on their own • Mark bills as auto-pay and confirm when they post • Choose which account or credit card each bill is paid from • Reminders before anything is due DEBT AND CREDIT • Avalanche or snowball payoff plans with a debt-free date • See how much interest an extra payment saves • Set a credit limit and get warned before a charge goes over it • Advance heads-up to make a payment before you hit the limit SAVINGS AND SPENDING • Savings goals with a realistic finish date • Buckets by percentage of pay, or a fixed dollar amount per month • Track spending against what this pay period actually allows • Accounts and net worth in one place PRIVATE BY DEFAULT • Your budget lives on your device • Optional Face ID lock • Syncs across your devices through your own iCloud account • No ads, and we never sell your data SUBSCRIPTION Payday Flo Core and Payday Flo Plus are available monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://neonpathlabs.com/privacy Terms: https://neonpathlabs.com/paydayflo/terms