Subskuy vs Flow

Stop losing money on forgotten subscriptions. Start mastering your wealth with Subskuy. Subskuy is not just another boring finance tracker. It is a personal finance command center built with a bold Neo-Brutalist design that makes managing money feel powerful, direct, and surprisingly fun. Whether you want to adhere to the 50/30/20 budgeting rule, track your "safe-to-spend" liquidity in real-time, or just ensure you never miss a payment again, Subskuy handles it all without compromising your privacy. KEY FEATURES: ◉ ULTIMATE SUBSCRIPTION MANAGER Track all your recurring expenses in one place. From streaming services to gym memberships, see exactly when bills are due and how much they cost you monthly and yearly. ◉ SMART BUDGETING (50/30/20 RULE) Effortlessly organize your income into Needs, Wants, and Savings. Subskuy does the heavy lifting to keep your financial goals on track. ◉ AI ROAST CARD Need a reality check? Our unique AI financial companion analyzes your spending habits and delivers personalized—and sometimes hilarious—commentary to keep you disciplined. ◉ REAL-TIME LIQUIDITY TRACKING Know exactly how much cash you actually have available to spend right now, after accounting for upcoming bills. ◉ COMPREHENSIVE ANALYTICS Visualize your financial health with beautiful charts and trend analysis. Spot spending leaks before they drain your wallet. ◉ PRIVACY FIRST & SECURE Your financial data belongs to you. Subskuy prioritizes local storage and secures your app with Biometric Lock (FaceID/TouchID). ◉ PRO FEATURES Unlock the full potential with Cloud Sync across devices, unlimited subscription tracking, advanced export options (CSV), and unlimited AI insights. Take control of your financial freedom today with the boldest expense manager on the App Store. Download Subskuy now! Privacy policy: https://subskuy.vercel.app/privacy Terms of usage: https://subskuy.vercel.app/terms

Flow is a personal finance app that respects your privacy. Your money data stays on your device. No accounts, no ads, no analytics, no tracking SDKs. WHY FLOW Most finance apps are a privacy black box — they read your transactions, sell your spending patterns, and lock features behind subscriptions. Flow doesn't. Everything works offline. The app costs nothing. WHAT'S INSIDE - Smart Add: type "12 coffee" and Flow predicts the category from a 4-layer model — note keyword, your merchant memory, the time of day, and a fallback. Median add is 3 taps. - Recurring bills: track rent, subscriptions, salary. The Plan tab shows what's coming, what's paid, and what's left in your monthly Disposable. - Budgets per category: a soft warning at 80%, a stop sign at 100%. Rollover supported. - Net worth chart: 24 months of history, four time windows, drill into any account. - Insights: month-over-month deltas per category, income vs. spending by month, spike alerts when a category is 2σ above your rolling mean. - Multi-currency: hold accounts in different currencies, see totals converted to your display currency. FX rates refresh daily from a public provider — opt-in. - 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu. - Demo profile bundled — explore the full app with two years of realistic sample data before adding a single real transaction. PRIVACY Your data is stored only on your device (SQLite + MMKV). No backend. No login. No advertising network. No telemetry by default. Optional: FX rates fetched once per day from a public exchange-rate service; you can switch this off. EXPORT Export your full history as JSON or CSV at any time. Restore from a prior JSON export to a fresh install. Monthly and yearly PDF reports. OPEN ROADMAP Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+. — Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/ Terms: https://aqsaqal.github.io/moneyapp/flow/terms/ Support: ak.saken@gmail.com