Cashflow Companion vs Assets allocation

The budget app that works without linking your bank. Track your money, know what's safe to spend, and plan your finances — safely offline, on your device. FEATURES: Safe to Spend Calculator See exactly how much money you can safely spend or allocate, based on your current balance minus upcoming bills and expenses plus expected income. No guesswork. Personal Financial Insights Know how much your income exceeds your expenses or vice versa, how many days until your next payday, what your largest upcoming expense will be, and when the tightest upcoming time of the month will be. Budget Tracker Keep a complete record of every transaction. Understand your income and expense patterns and make smarter financial decisions over time. Offline Budget App — 100% Private No bank account linking. No server sync. No account required. Your financial data lives on your iPhone, encrypted by iOS — never shared, never sold. Net Worth Tracking & Forecasting Monitor assets and liabilities over time. Forecast your net worth up to 30 years into the future with custom growth rates per account. Income & Expense Breakdown Annual pie charts make it instantly obvious if your expenses exceed your income and where to improve. Recurring Transactions Set up regular bills and income once, or import via CSV. The app factors them automatically into your available funds. Share your data with a partner via bluetooth without exposing data over the internet. PRIVACY FIRST: No bank account linking — your credentials stay with you 100% on-device storage — encrypted by iOS No account required — start immediately No data collection — we won't even know your email Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Learn more at cashflowcompanion.net

Asset allocation is one of the key pillars of successful investing. However, most people tend to focus on the returns of individual investments, which often leads to several problems: 1. People are more willing to publicize a single successful investment while ignoring other (often multiple) losing ones, resulting in an overall erosion of assets. 2. Even when there is an exceptionally successful investment, because the capital invested usually represents only a small portion of total assets, it brings only a limited increase to overall wealth. In short, it’s seeing the trees but missing the forest. allocrafter brings your attention back to what truly matters: your assets and your asset allocation. By combining simple record-keeping with the handy tools provided by allocrafter, you’ll gain a whole new perspective. You’ll focus more on changes in your overall assets rather than the gains and losses of individual investments; you’ll find direction and clarity from asset allocation instead of the frustration that comes from riding the ups and downs of the market. Download and try it now. With continued use, you’ll experience remarkable changes. Features: 1. Automatic / manual stock price updates 2. Create asset snapshots and compare past and current allocations 3. Analyze asset allocation by category (e.g., currency or asset type); customizable categories 4. Net worth trend charts, with comparisons to the S&P 500 and the Taiwan Weighted Index 5. Export / import assets (XML format) 6. Simulation mode — estimate results after asset changes