Finance Tracker vs Vault Flow

ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately. YOUR MONEY, YOUR RULES Your data stays on your devices and syncs only through your own private iCloud. No sign-up, no ByJo servers, no sharing. What's yours stays yours. TRACK EVERYTHING YOU OWN Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place. SMART SPENDING INSIGHTS • Spendmeter — compare today to yesterday, this week to last week • Monthly Summary — income vs. expenses at a glance • Top Expenses — know exactly where money goes • Savings Rate — measure how much of your income you keep • Asset Allocation — visualise your portfolio mix • Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time WALLET AUTO-LOG Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. OPERATION SPLITS & CATEGORY BUDGETS Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check. RECURRING OPERATIONS Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks. FINANCIAL GOALS Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever. FUND TRANSFERS Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up. EXPORT & IMPORT Back up everything as JSON, or bring operations in from CSV. HOME SCREEN & LOCK SCREEN WIDGETS Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app. SIRI & SHORTCUTS Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app. CUSTOMISABLE HOME Rearrange and hide home widgets to match how you think about money. Put what matters most at the top. 50+ CURRENCIES Pick your preferred currency and see all values in one consistent, clean view. Start with a 7-day free trial on the yearly plan, or choose the weekly plan or a one-time lifetime purchase. Subscriptions renew automatically (weekly or yearly) unless cancelled at least 24 hours before the end of the current period. Cancel anytime in your Apple Account settings. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://by-jo.com/privacy

VaultFlow shows your complete financial picture — cash, investments, property, and debt — in one calm, private app. See your net worth at a glance, watch it grow, and always know what's coming up. YOUR NET WORTH, AT A GLANCE • One big, clear number, plus a chart you can scrub from one month to all time • Milestones and streaks that make progress feel real • Home Screen widgets for net worth, daily spending, upcoming bills, and your portfolio SIMPLE, EVERYDAY MONEY • Chequing, Savings, and Credit Card — that's it, no clutter • Log spending and income in seconds; move money between accounts • Monthly budgets that show your pace, and recurring bills that never surprise you • A safe-to-spend number for the rest of the month INVESTMENTS WITH LIVE PRICES • Stocks, ETFs, and crypto, valued with live market prices in your currency • Allocation breakdown, today's movers, and gains versus what you paid • A tracker only — VaultFlow never buys, sells, or holds anything PROPERTY, MORTGAGE & DEBT • Track your home's value, equity, mortgage balance, and monthly costs • See every loan and card in one place, with what the interest is costing you • A debt-free planner (avalanche or snowball) that shows your payoff date and interest saved REPORTS & FORECAST • Spending by category, income trends, net worth history, and portfolio performance • A 12-month net worth forecast and month-end cash-flow projection • Financial goals with progress rings MADE FOR YOU • 28 currencies with live exchange rates and a built-in converter • Light and dark mode, Face ID lock, and a one-tap Privacy Mode that hides amounts • Ask Siri "What's my net worth?", or log an expense from Shortcuts and Spotlight PRIVATE BY DESIGN Your data lives on your device. VaultFlow runs no servers and never sees your finances. No account or bank login is required — start in about a minute with the guided setup. Sign in with Apple is optional and only used for iCloud backup across your own devices. VaultFlow is completely free. No subscriptions, no in-app purchases, no ads.