Finances Pro vs Sinkstack

Finances Pro is the secure and private application for managing spending across multiple accounts and currencies simultaneously. WHO IS IT FOR? • Digital nomads, high-earning individuals, or immigrants. • Travelers wishing to track spending in foreign currencies. • Persons diversifying money and investments across various countries. MULTI-CURRENCY • Use more than 170+ currencies provided with historical rates. • Review data converted to any currency. Transaction date's rate applied. • Recalculate overall balance to a chosen currency. PRIVATE. NO DATA COLLECTED • No registration. No third-party servers. • On-device encryption. Secure synchronization over iCloud. QUICK ENTRY • Inline auto-completion. • Widgets. Shortcuts. Support for Action button. • Import from a CSV files. Automatic import from Lunch Money. FLEXIBLE ORGANIZATION • Customize categories with various icons and colors. • Use tags to group transactions across categories. • Exclude certain categories from the analysis.

Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over. HOW IT WORKS 1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example. 2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days. 3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions. Envelope tracking, recurring schedules, Funding Calendar, paycheck allocation, catch-up planning, statements and existing scenario tools remain available. Saved plans preserve exact cents; failed writes keep the previous in-memory state and corrupt files are preserved. WHAT TO KNOW Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice. iPhone and iPad.