Pluto Coach vs FinFlow

Pluto is a calm, private money coach for people whose finances do not fit in one country, one currency or one spreadsheet. Your whole picture, in one place Add your accounts, investments, pensions, property and debts, in any of seven currencies. Pluto converts everything to your base currency so you always know your real net worth, and Today gives you one calm read of where you stand. Statements, not bank logins Start with ballpark balances, then import the statements you already receive, or scan a paper statement or receipt with your camera. Pluto reads them for you, so your picture stays current without handing over a single bank password. A coach that checks the numbers Connect your own AI provider key (for example Google Gemini) and ask questions in plain language. Answers are built from your actual accounts, and the figures the coach quotes are checked against your records. Two minutes a day Short lessons on things like asset allocation, debt and tax deadlines, each using your own money as the example and ending with one real step to take. Plan the big moves honestly See where you stand, what to firm up first and your next three moves, with a long-range projection of where your current path leads. Ask "Can I afford it?" before a car, a home or a career break and get a straight answer from your real bills, loans and goals. Knows your bills before you do Rent, loan repayments and renewals are lined up before they land, and goals such as an emergency fund or a down payment check in with you along the way. Private by design - Lock the app with Face ID and hide balances when it opens. - No ads, no tracking, and your data is never sold. - Export or delete your data whenever you want. - The AI coach runs on your own AI provider key: your questions, and any statement you choose to scan, go to that provider under your key and its terms. Pluto never uses them to train models. Coaching, not regulated advice Pluto provides coaching and education, not regulated financial advice, and its AI can make mistakes, so check anything important before you act on it. For decisions with legal or tax consequences, speak to a qualified professional. Your Pluto account works across iPhone, iPad and the web.

Know where you stand until payday. FinFlow brings your tracked account balances, upcoming bills and everyday spending into one clear picture. SEE WHAT IS LEFT See what remains after tracked bills and your confirmed everyday spending amount. Understand which accounts are included and when their balances were recorded. Expected income stays separate from money already available. PLAN WHAT IS COMING Add bills and recurring income, review possible recurring payments, and keep goals and cards or debt in view. See upcoming commitments and payments you have confirmed. UNDERSTAND YOUR ACTIVITY Review transactions, compare top spending categories, and correct names or categories. Original bank descriptions remain available in the details. START YOUR WAY Use manually recorded information or connect supported bank accounts. Your picture depends on the accounts and plans you track; it is an estimate, not a guarantee of future coverage. FinFlow offers optional Premium subscriptions for broader capacity and additional features. Localized pricing and available offers are shown before purchase. App Store subscriptions renew automatically unless canceled through your Apple account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://finflowfinance.com/privacy.html