Flow vs Marnie

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.

Marnie is an AI expense tracker and budget planner that works without linking your bank. Say what you spent, log it with Siri or capture Apple Pay purchases with Shortcuts. Marnie sorts each expense, learns from your corrections and shows what's safe to spend. LOG SPENDING IN SECONDS • Say it: "Lunch was 18 dollars." Check the details and save. • Ask Siri to add an expense to Marnie. • Capture Apple Pay purchases with a Shortcuts automation, then open Marnie to finish saving them. • Scan a receipt or a statement screenshot, or type it in. KNOW WHAT'S SAFE TO SPEND Safe to Spend sets aside upcoming bills, savings goals and an emergency buffer, so the number you see is money you can actually use. Keep it on your Home Screen with widgets. BUDGETS THAT FIT YOUR PAY CYCLE Set spending limits by week, fortnight, month or year and get an alert at 80%. See bills, income and goals ahead on the money calendar. BILLS AND SUBSCRIPTIONS Marnie spots recurring payments, reminds you before bills are due and flags subscription price rises and duplicates. ASK MARNIE Ask "How much did I spend on food this month?" and get an answer from your own records. Choose Local, Automatic or Cloud AI in Settings. CATEGORIES THAT LEARN Fix a merchant or category once and Marnie remembers it for next time. YOUR RECORDS STAY ON YOUR IPHONE Your ledger is stored on your device. Cloud backup is optional, with an optional recovery key for end-to-end encryption. No bank login, and Marnie never moves money. ALSO INCLUDED • 46 currencies for travel and foreign spending • Savings goals, net worth and a credit card payment plan • Search every transaction by merchant, amount, category or note • Home Screen widgets and Control Center controls FREE TO START Download Marnie free and track as much as you like by hand, voice or receipt scan. Free includes a monthly allowance of automatic captures and cloud AI. Marnie Pro (weekly, monthly or yearly) removes the automatic-capture cap, raises cloud AI allowances and extends forecasts to 60 and 90 days. A Marnie account is required. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://marnieapp.vercel.app/privacy