Flow vs SpendZen

A free and open-source personal finance tracker app built with love. Flow offers full control over you data, and works fully offline*. Features: - Multiple accounts - Multiple currencies - Full control of your data - iCloud backup support - Simple and smooth UX - Statistics about your finance Please consider supporting Flow by leaving a review, suggesting ideas through Flow's GitHub issue tracker, contributing and more! * If you use multiple currencies, Flow needs an internet connection to fetch foreign currency exchange rates.

SpendZen shows you at a glance how much you spend each month on subscriptions, bills, loans and fixed costs. And how much is really left. No account, no bank to connect: your data stays on your iPhone, with optional iCloud backup. NEW IN SPENDZEN 4.0 • Financial Forecast (Pro): your margin for each of the coming months, with a chart of income, expenses and net, plus a timeline of upcoming changes. • Free trials: a reminder the day before a trial ends and the first charge marked in your calendar. When it ends, turn it into an expense or delete it. • Bills & usage (Pro): log kWh and m³ with each payment and compare average, minimum, maximum and peak month. • Redesigned Home: upcoming payments up front, with overdue ones highlighted. • Savings achieved: how much you save per year from closed or paused expenses. ALL YOUR FIXED COSTS IN ONE PLACE • Subscriptions (Netflix, Spotify, Disney+…), rent, utilities, insurance, gym • Monthly, yearly, weekly or one-off expenses • Categories, icons for popular services, filters and sorting NEVER MISS A DUE DATE • Payment calendar showing what's paid and what's left • Customizable reminders before every charge BUDGET AND INCOME • Budgets per category with alerts as you approach the limit • Income and salary: monthly balance, fixed-cost share and history LOANS, INSTALLMENTS AND PRICE HIKES • Loans with installments paid, remaining and end date • Price history: see which subscription went up and by how much STATS AND TIPS • Charts by category and by month • Suggestions to cut unnecessary spending • Badges and milestones to stay on track PRIVACY FIRST • No sign-up, encrypted database on your device • Data hidden in the app switcher preview • Optional, anonymous analytics: no amounts, names or notes are collected SPENDZEN PRO Unlock Financial Forecast, Bills & usage, iCloud backup, Home customization and every advanced feature with a one-time purchase.