Flux vs zero

The Only 100% Offline AI Expense Tracker. Your Data Never Leaves Your iPhone. Flux is the privacy-first expense tracker and budget manager that works completely without the internet. No accounts. No cloud sync. No tracking. Just intelligent financial control — entirely on your device. Unlike apps that upload your spending data to remote servers, Flux keeps everything local using Apple's SwiftData. Every transaction, every budget, every AI conversation stays on your iPhone. Always. WHY FLUX? • 100% Offline — Zero internet required, ever • On-Device AI — Powerful features without cloud dependency • Face ID Lock — Auto-blurs sensitive numbers when you switch apps • Lightning Fast — No waiting for servers • Lifetime Unlock — Own it once, forever AI RECEIPT SCANNER Point your camera at any receipt. Flux's on-device OCR instantly reads the amount, date, and merchant — even in local decimal formats. No upload. No wait. Works globally. MULTI-WALLET & ACCOUNTS Don't put all your money in one basket. Create distinct wallets for Cash, Credit Cards, and Bank Accounts. Easily track transfers between them to know exactly where your money sits. SAVING GOALS Set targets for your dream purchases, vacations, or emergency funds. Watch your savings grow with clean progress indicators. SMART BUDGET TRACKING Set spending limits with clean progress rings. Budget cards show real-time percentage breakdowns. Edit limits on the fly directly from the list. AI FINANCE ASSISTANT & MEMORY Ask natural questions: "Am I over budget this month?" Get instant answers. Every conversation is saved in the Archive. (Premium) RECURRING TRANSACTIONS & FORECASTS Automate weekly or monthly bills. Flux analyzes your history to predict future expenses. Stay ahead of overspending. CALENDAR HEATMAP A GitHub-style contribution graph for your income and expenses. Spot expensive weeks and build better financial habits. MULTI-CURRENCY Track 40+ currencies (USD, EUR, GBP, TRY, AED, and more). Switch your base currency instantly. Built for international travelers. SEAMLESS IOS INTEGRATION • Home & Lock Screen Widgets • Siri Shortcuts ("Hey Siri, add $50 to groceries") • Face ID / Touch ID App Lock Start free for 7 days. Then $2.99/month or $24.99/year. Or unlock everything forever with the one-time Lifetime purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

WHY zero? Most finance apps want your data. zero wants nothing. • No account required: start tracking in seconds • No internet needed: works 100% offline • No ads, no subscriptions: completely free • No data collection: your finances stay private TRACK EXPENSES EFFORTLESSLY Add expenses in seconds with a clean, minimal interface designed for daily use. • Quick entry with amount, title & category • Custom categories with icons and colors • Date picker for past expenses • Notes and descriptions for every transaction MANAGE MONEY YOU OWE & ARE OWED Never forget an IOU again. • Track money you lent and borrowed • Organize by person with custom icons • See total balances at a glance BEAUTIFUL REPORTS & INSIGHTS Understand your spending with clear, visual reports. • Monthly expense breakdown with pie charts • Daily spending calendar heatmap • Category-wise analysis • Filter by month and year DESIGNED FOR YOU • Dark mode & light mode • Multiple currency support • Export & import your data • Fast, lightweight, battery-friendly PRIVACY BY DESIGN Zero is built on a simple principle: your money, your business. All data is stored locally on your device. No servers, no cloud, no sync, no analytics, no third-party SDKs. Your financial data never touches the internet. Download zero and take control of your finances, privately.