Vault Flow vs Offsheets

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.

Offsheets requires a Tiller subscription and a Tiller-powered Google Sheet. Connect your Tiller-powered Google Sheet to manage, visualize, and forecast your financial data in real-time. Designed and optimized for mobile, tablet, and desktop, with equal features and functionality regardless of device or screen size. Offsheets is built from the ground up on a Zero-Knowledge Architecture, which means your financial data is never stored in a database, only in your sheet. We never see it, and we never store it. Offsheets unlocks the untapped power of your spreadsheet by allowing you to effortlessly accomplish four things. Though a spreadsheet can do some of these things, it does not have the ability to do them as well as Offsheets due to the limitations of a spreadsheet: 1) Manage your historical personal finance data 2) Visualize and analyze that data 3) Forecast into the future 4) Stay connected to your finances via emails and alerts Offsheets has full feature parity with Tiller, including Savings and Debt tracking integration, Savings Goals, Debt Payoff Planner, Savings Budget, AutoCat, and more. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.offsheets.com/privacy.html