Pennywise vs FlowWise

Know where your money goes. Know what you can spend. Know you're on track. Pennywise makes budgeting feel simple - not like a chore. Track your spending, hit your savings goals, and actually understand your money. No spreadsheets, no bank linking, no complicated setup. Just open the app and start. And your financial data? It never leaves your device. No account required. No cloud. No compromises. FEEL IN CONTROL EVERY DAY Set a monthly budget and Pennywise tells you exactly how much you can spend per day. See at a glance if you're on track or need to ease up - right from your home screen with iOS widgets. SAVE FOR WHAT MATTERS Set savings goals for a trip, emergency fund, or big purchase. Watch your progress grow and stay motivated with clear visual tracking. UNDERSTAND YOUR SPENDING See where your money actually goes with cashflow trends, category breakdowns, and period comparisons. Spot patterns you didn't know you had - daily, weekly, monthly, or yearly. STAY ON TOP OF BILLS Track recurring bills with due dates and reminders so nothing slips through the cracks. Know exactly what's coming before it hits. YOUR MONEY, YOUR DEVICE • All financial data stored on your device - never sent anywhere • Works completely offline - no internet required • No account or sign-up needed • Zero permissions required (no camera, location, or contacts) BUILT TO BE ENJOYED • 5 home screen widgets to check your finances at a glance • Customizable dashboard - show what matters to you • Beautiful dark mode • Available in 11 languages and 150+ currencies • Try everything free in demo mode before you commit • One-time purchase option - pay once, own it forever Pennywise was built with a simple belief: budgeting should feel rewarding, not like homework. Your financial data is nobody's business but yours. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

FlowWise turns your M-Pesa activity into a real budget — without you typing a single transaction. HOW IT WORKS The moment an M-Pesa SMS arrives, FlowWise reads it, extracts the amount, merchant, and category, and logs it automatically. No manual entry, no spreadsheets — just an accurate picture of your money as it happens. BUILT FOR HOW KENYANS ACTUALLY SPEND - M-Pesa auto-logging — zero typing, every transaction captured the moment it lands - Budgets that work — weekly, monthly, or yearly limits per category, with alerts before you overspend - AI financial coach — ask anything about your money and get personalised advice powered by Claude - Debt tracker — see what Fuliza, bank loans, and SACCOs actually cost you, and plan your payoff - Savings goals — set targets and track progress toward what matters: rent, school fees, a phone, land - Bills calendar — never miss rent or KPLC again - Group budgets — split and track spending with your Chama, family, or roommates - Financial Health Score — a single number that tells you where you stand and what to fix YOUR DATA, YOUR STORY All financial data is encrypted in transit and at rest. FlowWise never sells your information, and you're always in control of what gets tracked. Start free — upgrade anytime for unlimited transactions, AI chats, and group budgets. Terms of Use (EULA): https://www.flowwise.co.ke/terms Privacy Policy: https://www.flowwise.co.ke/privacy