Bow vs ZeroOut Debt Planner

Bow is an envelope budgeting app that helps you aim every dollar before you spend it. Plan your spending, stay ready for every bill, get ahead on credit cards and always know what you can safely spend. Your budget stays private, on your iPhone and in your own iCloud. HOW BOW WORKS 1. Add your checking, savings and credit card accounts. 2. Your money lands in Ready to Assign. 3. Assign it to envelopes for bills, groceries, savings goals and fun. 4. Spend from your envelopes, and watch each one count down. 5. Overspent? Cover it from another envelope in a tap. Zero-based budgeting isn't about spending everything. It's about deciding what every dollar is for, so nothing surprises you. ENVELOPES AND TARGETS • Set a target for any envelope: a monthly amount, a bill due on a date, or a savings goal by a deadline. • Bow shows how much to set aside this month to stay on track. • Snooze a target for a month when plans change. • Group envelopes your way and save custom budget views. BILLS AND PAYCHECKS • Schedule rent, subscriptions, paychecks and every-other-week bills once. • See what's due next, and get a reminder before it's due. • Bills you schedule can fill in their envelope targets for you. • Share a payment plan screenshot and Bow schedules each payment, ending after the last one. CREDIT CARDS, MADE SIMPLE • When you spend on a card, Bow sets that amount aside in the card's payment envelope in your budget, automatically. • You'll always know you've budgeted enough for the bill. • Paying down debt? Set a payoff goal and track your progress. BANK SYNC, OPTIONAL • Connect your bank with SimpleFIN to bring in transactions for review. A SimpleFIN Bridge account is required. • Or log purchases by hand. Bow can also add purchases from your bank's notifications using Shortcuts. • Reconcile accounts to make sure Bow matches your bank. FASTER ENTRY • Scan a receipt, or share a screenshot of a purchase to Bow. • Speak a purchase out loud and Bow fills in the details. • Ask Siri to log a transaction or check an envelope. • Ask Bow questions like "How much did I spend on dining out this month?" Receipt scanning, speaking a purchase and asking questions use Apple Intelligence on supported iPhones. SPENDING INSIGHTS • See spending by envelope, month by month. • Track income against spending and search every transaction. PRIVATE BY DESIGN • No Bow account to create. Your budget syncs between your devices through your own iCloud. • Your data is never sold or shared for advertising. • Export a backup anytime. MOVING FROM YNAB? Import your YNAB budget, with your accounts, envelopes and history, and pick up right where you left off. TRY BOW FREE FOR 2 WEEKS Start Bow Annual or Bow Monthly with a 2-week free trial, or buy Bow Lifetime once. Bow reminds you before your trial ends. Without a subscription or Lifetime, your budget stays readable but can't be changed. Payment is charged to your Apple Account when you confirm a purchase, or when a free trial ends. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use: https://bowbudget.com/terms Privacy Policy: https://bowbudget.com/privacy

ZeroOut helps you build a clear, step-by-step plan to pay off your debt. Enter your debts, choose a strategy, and see exactly when you'll be debt-free. HOW IT WORKS Add your debts with balances, interest rates, and minimum payments. ZeroOut calculates your optimal payoff order using either the Snowball method (smallest balance first) or Avalanche method (highest interest first). Track each payment and watch your balances drop to zero. FEATURES - Snowball & Avalanche strategies with side-by-side comparison - Month-by-month payment schedule showing every debt - Track payments and mark debts as paid off - PDF Roadmap export to save or share your plan - Income & bills tracker to find extra money for debt - Visual progress dashboard with debt-free date countdown PRIVACY FIRST ZeroOut collects zero data. No accounts, no analytics, no third-party SDKs. All your financial information stays on your device using Apple's SwiftData. We can't see it, and neither can anyone else. COMPLETELY FREE No ads. No in-app purchases. No subscriptions. No paywalls. ZeroOut is and will always be 100% free.