Personal Cashflow vs BillStack

Cashflow shows you where your money is headed—before it surprises you. Instead of just logging what you've spent, Cashflow projects your balance forward from your bills, deposits, and transfers, so you can see the dips and surges coming 30, 90, or 365 days out. No bank logins. No ads. No data sold. Your information stays on your device and syncs privately between your iPhone and iPad through your own iCloud. WHAT YOU CAN DO • See a projected cashflow chart with your highest, lowest, and any negative-balance days called out • Track bills, deposits, and transfers—one-time or recurring (weekly, biweekly, monthly, and more) • Manage multiple accounts with individual balances • Organize spending with custom, color-coded categories • Get a dashboard with balances, a cashflow preview, monthly summaries, and spending insights • Export PDF reports by category, month, or bill • Choose Light, Dark, or System appearance PRIVATE BY DESIGN Cashflow never asks for your bank credentials and never sells your data. Everything is calculated on your device. SUBSCRIPTION & LEGAL Cashflow is an auto-renewable subscription: • Monthly — $7.99 / month • Annual — $59.99 / year (includes a 7-day free trial) Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID account settings. Privacy Policy: https://personalcashflow.net/privacy.html Terms of Use (EULA): https://personalcashflow.net/terms.html

BillStack — Bill Tracker & Reminder Never miss a bill payment again. BillStack is a simple, private bill tracker that helps you manage all your monthly bills, recurring payments, and due dates in one place — no account required, no cloud sync, no data sharing. TRACK EVERY BILL • Add one-off and recurring bills — monthly, bi-monthly, quarterly, or annual • Set statement dates, scheduled payment dates, and payment confirmation dates • Bills automatically appear each month based on your recurring schedule STAY ON TOP OF DUE DATES • Get notified before bills are due — customizable reminder days and timing • Quiet hours support so reminders only fire when you want them • Due today, upcoming, and overdue indicators at a glance UNDERSTAND YOUR SPENDING • 6-month spending trend chart • Category breakdowns — credit cards, utilities, subscriptions, loans, insurance, transport • Monthly totals and paid vs unpaid summary YOUR DATA STAYS ON YOUR DEVICE • No account or sign-in required • All data stored locally — never sent to any server • Export and import backup files to keep your data safe • Biometric lock (Face ID / Touch ID / fingerprint) to protect your bills BUILT FOR REAL LIFE • Month-by-month navigation — browse past and future months • Recurring bills generate automatically — edit any month individually • Mark bills as paid with one tap • Dark mode support follows your system setting