Vault Flow vs Financial Payment Tracker

VaultFlow shows your complete financial picture — cash, investments, property, and debt — in one calm, private app. See your net worth at a glance, watch it grow, and always know what's coming up. YOUR NET WORTH, AT A GLANCE • One big, clear number, plus a chart you can scrub from one month to all time • Milestones and streaks that make progress feel real • Home Screen widgets for net worth, daily spending, upcoming bills, and your portfolio SIMPLE, EVERYDAY MONEY • Chequing, Savings, and Credit Card — that's it, no clutter • Log spending and income in seconds; move money between accounts • Monthly budgets that show your pace, and recurring bills that never surprise you • A safe-to-spend number for the rest of the month INVESTMENTS WITH LIVE PRICES • Stocks, ETFs, and crypto, valued with live market prices in your currency • Allocation breakdown, today's movers, and gains versus what you paid • A tracker only — VaultFlow never buys, sells, or holds anything PROPERTY, MORTGAGE & DEBT • Track your home's value, equity, mortgage balance, and monthly costs • See every loan and card in one place, with what the interest is costing you • A debt-free planner (avalanche or snowball) that shows your payoff date and interest saved REPORTS & FORECAST • Spending by category, income trends, net worth history, and portfolio performance • A 12-month net worth forecast and month-end cash-flow projection • Financial goals with progress rings MADE FOR YOU • 28 currencies with live exchange rates and a built-in converter • Light and dark mode, Face ID lock, and a one-tap Privacy Mode that hides amounts • Ask Siri "What's my net worth?", or log an expense from Shortcuts and Spotlight PRIVATE BY DESIGN Your data lives on your device. VaultFlow runs no servers and never sees your finances. No account or bank login is required — start in about a minute with the guided setup. Sign in with Apple is optional and only used for iCloud backup across your own devices. VaultFlow is completely free. No subscriptions, no in-app purchases, no ads.

Take control of your debt, without connecting a single bank account. Financial Payment Tracker is a privacy-first app for managing credit card, loan, and mortgage payments. You enter only what you want to track: balances, APR, and due dates. No account numbers, no bank logins, no data ever leaves your device (unless you choose to sync with your own iCloud). WHAT YOU CAN DO • Track multiple accounts (credit cards, auto loans, personal loans, student loans, mortgages) all in one place. • Log payments and charges manually and watch your balance update with every entry. • Never miss a due date. Set smart payment reminders and the app notifies you a few days before each payment is due. • Sync your payment due dates, loan/mortgage maturity dates, and savings goal targets to Apple Calendar, so they show up alongside the rest of your life. Amounts stay out of your calendar by default; you decide if and where they appear. • Plan your payoff with Avalanche or Snowball strategies. See exactly which account to attack first, how much interest each strategy saves, and the month you'll be completely debt-free. • Track your savings goals alongside your debt. See your full financial picture in one app. • Export your payment history as a PDF statement or Excel-compatible CSV, perfect for budgeting reviews or sharing with a financial advisor. • Back up everything, accounts, payments, and savings goals, to a file you keep, and restore it any time. • View a monthly bar chart of all payments at a glance on the History tab. • Add a home screen widget to see your next payment due without opening the app. • Pair with your Apple Watch for a read-only companion showing upcoming payments and a watch face complication with a due-date countdown. • Lock the app behind Face ID or Touch ID so your financial data stays private even if someone picks up your phone. • Optionally sync across all your Apple devices with iCloud, in your own private iCloud database, never on our servers. PRIVACY BY DESIGN Most finance apps require you to connect your bank and hand over your login credentials. Financial Payment Tracker never asks for any of that. Every number you enter stays on your device. We have no servers, no analytics, and no advertising. With iCloud sync on, your balances, rates, account names, and notes are encrypted with keys kept in your iCloud Keychain. And if you ever type something that looks like a card number, Social Security number, or bank routing number, the app warns you and offers to remove it, because Financial Payment Tracker never needs them.