Cash Flow Tool vs Spliiit

Most budget apps tell you where your money went. Cash Flow Tool tells you where it's going. Pro version (one-time, not subscription) unlocks unlimited use with no limits to anything. The free tier includes up to 15 bills, 1 income source, 2 credit cards, 1 loan, and 4 months of balance projection. Previous purchases automatically get Pro. Built around a 12-month, week-by-week projection engine, Cash Flow Tool maps your upcoming bills, income, credit card payments, and loan obligations into a running balance so you can see your financial picture before it happens, not after. Know Your Weeks, Not Just Your Months Every month is broken into weeks. See your projected balance at the end of each week, spot low-balance periods before they become overdrafts, and plan one-time expenses or extra income with precision. A color-coded warning highlights any week your balance dips below your threshold. Everything in One Place Recurring bills with due-day scheduling and category tagging Multiple income sources with flexible pay frequencies (weekly, biweekly, semi-monthly, monthly) Credit card balances, limits, and interest rate tracking Loans with monthly payment and due-day scheduling One-time expenses and additional income entries per week Savings Builder Set up to three savings buckets with your strategy of choice: a percentage of your income, a percentage of your monthly surplus, or a fixed amount. Savings contributions reduce your projected balances in real time so you always know what saving actually costs you month to month. Debt Payoff Planner See your true payoff timeline using the Avalanche method (highest interest first), Snowball method (smallest balance first), or your current payment plan. Add extra monthly contributions and watch the payoff date move. Interest costs are calculated and displayed so the math is never hidden. Charts That Actually Help The Cash Flow chart plots your 52-week projected balance as a line, with your low-balance warning shown as a reference. Zoom in or out, tap any week for details, and scroll across the full year. The Expenses chart breaks your monthly spending into categories so you can see where your budget is going at a glance. Built for iPhone, iPad, and Mac One app, all your devices. The full experience is available on iPhone, iPad, and Mac with a layout tailored to each. iCloud sync keeps everything up to date automatically across all of them. You can also share your data with a family member or partner so you're always working from the same numbers. Dark mode supported. Private and Secure Enable Face ID, Touch ID, or passcode lock so the app requires authentication every time it opens. Your data lives in iCloud and is never shared with anyone without your permission.

Split rent, trips and shared bills with the people you live, travel and eat with. Spliiit keeps a running tab of who owes who, so nobody has to do the math or chase anyone. Every feature is free. No paywall, no daily limit on expenses. KEEP A RUNNING TAB • Groups for your apartment, a trip, a team or a couple, or split one-on-one with a friend • See who owes who across every group and friend, always up to date • Simplify debts: turn a tangle of IOUs into the fewest payments • Add people who aren't on Spliiit yet. Their share is tracked until they join SPLIT IT ANY WAY • Equally, by percentage or by exact amounts • Add tax and tip before you split • Recurring expenses: set up rent or a weekly grocery run once and it repeats • Traveling? Log expenses in 12 currencies with live exchange rates LET AI DO THE TYPING • Quick-add bar: type it like you'd text a friend, "groceries 84 with Sam and Priya", and it becomes a split • Scan a receipt: AI reads every item, you tap who had what • AI Mode: chat to add expenses, or drop in a receipt photo or PDF and it drafts the splits for you • Voice (beta): say it out loud instead of typing GET PAID BACK, MINUS THE AWKWARD TEXT • Auto reminders: Spliiit emails people who owe you every 7, 14 or 30 days, in the tone you pick: friendly, funny, firm, passive-aggressive or awkward • Send a one-off reminder whenever you need to • Save how you like to be paid (bank transfer, payment apps or cash) so friends know where to send it • Settle up in a tap and the balance goes back to zero • Spliiit never moves your money. It just keeps score A HISTORY EVERYONE CAN TRUST • Every add, edit and delete shows up in the group or friend history • Deleted something by mistake? Restore it • Edit the amount, who paid, the date or the note after the fact • Spent date and posted date are kept separately, so everyone can see when something was added late STAY IN THE LOOP • Notifications when someone adds, edits, deletes or settles an expense you're in, with a switch for each kind • Export any group or friend to a spreadsheet, emailed to you • Switching apps? Import a group's history from a CSV export • Sign in with Apple, Google or email Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/