FlowRate vs Horyzon

FlowRate is a modern personal finance tracker built for people who want a clear view of their money without spreadsheets or messy notes. Track income, expenses, recurring bills, paid items, pending payments, and your projected balance in one compact dashboard. FlowRate helps you understand what has already been paid, what is still coming, and how much is safe to spend. Unlike simple monthly trackers, FlowRate supports custom billing cycles. If your budget starts on the 15th, your cycle can run from the 15th to the 14th instead of forcing everything into a calendar month. Key features: • Smart Dashboard See your current balance, total income, paid expenses, pending expenses, and available money at a glance. • Smart Ledger A clean checklist-style ledger for tracking bills like a modern version of Apple Notes, but with automatic calculations. • Paid vs. Pending Tracking Mark expenses as paid or pending and instantly update your totals. • Custom Billing Cycles Choose the start day of your budget cycle and let FlowRate calculate the correct period automatically. • Recurring Transactions Add daily, weekly, biweekly, monthly, or yearly recurring income and expenses. • Safe to Spend Understand your remaining money after pending bills are considered. • Income Insights See your income broken down over time, including per-second, per-minute, hourly, daily, and monthly views. • Modern Interface A compact glassmorphism design with smooth animations, haptic feedback, and swipeable navigation. FlowRate is designed for simple, practical budgeting: add your income, add your expenses, check off what is paid, and always know where your money stands.

Horyzon is a smart portfolio tracker built on conviction and simplicity. Track stocks, ETFs, crypto, commodities and cash, then write the thesis behind each position. Set a financial goal, watch your journey unfold, and get AI insights that actually reference your reasoning. INVEST WITH INTENTION Most trackers stop at the numbers. Horyzon tracks your reasoning too, organized around three pillars: Present: Write a Thesis for each position. Why do you own this? What would change your mind? How does it connect to your goal? Your conviction, saved alongside your holdings. Past: Your Investment Journey automatically captures milestones, streaks, and turning points as you invest. See your timeline grow with every decision. Future: Set an Investment Horyzon. Pick a financial goal like retirement, a home, education, freedom, or anything else. Set a target amount and date, then watch your progress unfold. TRACK EVERYTHING. EVERYWHERE. Build your portfolio manually with full control. Add stocks, ETFs, Turkish investment funds, cryptocurrencies, commodities like gold and silver, and cash holdings, all in one place. Track your cost basis, profit and loss, daily performance, and allocation breakdowns at a glance. Horyzon covers major markets including NYSE, NASDAQ, London Stock Exchange, XETRA, Borsa Istanbul, BMV Mexico, B3/Bovespa Brazil, and the Toronto Stock Exchange. Add thousands of global cryptocurrencies and commodities. Multi-currency support reflects your real-world positions, no matter where you invest. SMARTER INSIGHTS, POWERED BY AI Horyzon Pro puts an AI analyst in your pocket, one that actually knows your portfolio and your reasoning. Get a health score, diversification analysis, risk assessment, and actionable recommendations generated for your specific holdings and theses. The AI reads your theses and references your own reasoning in its analysis. Spot concentration risks before they become problems. And when you have questions, just ask. Horyzon's AI assistant answers in plain language. BUILT FOR THE PLATFORM YOU LOVE Horyzon is built for iOS from the ground up, with Home Screen and Lock Screen widgets, native gestures, and a distinctive glassmorphic design. Check your portfolio value and goal progress without opening the app. Your data stays on your device. No account required to get started. No personal information collected. No ads. Just you, your portfolio, and the reasoning behind it. EVERYTHING YOU NEED · Stocks, ETFs, crypto, commodities, and cash · Cost basis, P/L, and daily performance tracking · Multi-currency portfolio support · Investment thesis for every holding · Investment journey with milestone tracking · Financial goal setting and progress tracking · Earnings and dividend history with EPS estimates · Turkish investment fund tracking with TEFAS data · Company press releases in the asset detail screen · Performance attribution: see what's driving your gains · Portfolio sharing · Home Screen and Lock Screen widgets · AI portfolio analysis referencing your theses (Pro) · AI assistant for portfolio questions (Pro) · Glassmorphic design with dark mode START FREE. UPGRADE WHEN YOU'RE READY. Portfolio tracking, thesis writing, goal setting, and market data are completely free. When you're ready for AI-powered insights that understand your reasoning, Horyzon Pro is available as a monthly or yearly subscription. Terms of Use: https://horyzonapp.com/#tos Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://horyzonapp.com/#privacy