Couplesplit vs Clarity Flow

Split expenses with your partner without spreadsheets or awkward talks. Couplesplit logs purchases from your bank notifications and shows who owes whom, split 50/50 or by income. Shared money lives in Ours. Personal money lives in Mine, and only you can see it. The two never mix. PURCHASES THAT LOG THEMSELVES Bought groceries for $42.90? When your bank's notification arrives, the expense is already in Couplesplit. • Bank notifications: on iOS 27, purchases log themselves from the notifications your bank already sends. • Apple Pay: from iOS 18, what you buy with Apple Pay is logged too. • No passwords and no bank connection. It runs through an automation in the Shortcuts app. • Captured purchases arrive private, in Mine. You decide what moves to Ours. NEW IN 1.8 • Your month vs. your usual: see if you're spending more or less than your usual pace, and which categories explain it. • Fixed payments: rent, utilities and subscriptions in one place, with a calendar and a notification before each due date. Shared or just yours, never mixed. • How you split: what each of you put in this month, and what your incomes say it should be. Change your salary or the split directly; your partner gets a notification and can pause the change to talk it over. • Half-month balance: your balance broken down by half-month, ideal if your salary arrives twice a month. • Expense organizer: sort uncategorized expenses in a few taps. • Share suggestions: personal expenses that look like household ones are gathered for you to review. Nothing is shared until you say so. SPLIT FAIRLY, SETTLE UP CLEARLY • Split 50/50, by income or with your own percentage • Who owes whom in real time, synced on both phones • Settle up the full balance or only through last month • Couplesplit never moves money: you send the transfer from your bank and record it in the app • A notification when your partner adds an expense PLAN TOGETHER • Shared spending limits, with notifications at 80%, 90% and 100% • Installments and recurring expenses • Trips in the local currency, converted to your home currency, and kept out of your monthly spending if you want • Reports by category and trend, plus your Monthly Wrapped • Home screen widgets • Import your shared history from a CSV file • 70+ categories, 100+ currencies and 6 languages COUPLESPLIT PRO Everything in Couplesplit is part of Pro. Start with a 14-day free trial. One subscription covers both of you, whichever phone each of you uses. Invite another couple and both couples get 1 month of Pro free. Couplesplit Pro is an auto-renewable subscription, monthly or yearly. It is charged to your Apple Account when you confirm the purchase and renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it in your App Store account settings. Terms of Use: https://api.couplesplit.xyz/terms Privacy Policy: https://api.couplesplit.xyz/privacy

ClarityFlow responde la única pregunta que tu app del banco nunca responde: ¿cuánto dinero tendrás realmente libre el próximo mes? No tu saldo en cuenta. No tu línea de crédito disponible. Tu dinero realmente libre después de descontar cada cuota, suscripción, servicio y gasto recurrente. EL PROBLEMA CON TU SALDO El número que ves en tu app bancaria parece estar bien. Pero no sabe que la semana que viene cae una cuota, que la siguiente se renuevan tres suscripciones, o que el primero del mes llegan seis débitos automáticos. ClarityFlow sí lo sabe. Proyecta tu flujo de caja mes a mes hasta doce meses adelante para que tomes decisiones financieras con los ojos abiertos. LO QUE CLARITYFLOW HACE - Muestra tu saldo libre real para los próximos 4 meses de un vistazo - Te avisa de los meses difíciles antes de que lleguen - Previsualiza cómo cualquier compra en cuotas afectará tu futuro - Registra los préstamos que hiciste como activos pendientes, no como dinero olvidado - Compatible con soles y dólares con tu propio tipo de cambio CONCIENCIA DE COMPROMISOS Antes de guardar una nueva compra en cuotas, ClarityFlow te muestra exactamente cómo cambian tus meses futuros. La decisión siempre es tuya, pero ahora la tomas sabiendo el costo real. PRÉSTAMOS SIN LA INCOMODIDAD Cuando prestas dinero, sale de tu cuenta pero no desaparece. ClarityFlow lo registra como un activo pendiente, lo considera en tu flujo de caja y te recuerda en el momento justo cuándo hacer el seguimiento. Incluso redacta el mensaje de cobro por ti, tú solo lo envías. HECHO PARA LA VIDA REAL Sin conexión bancaria. Sin registro de cuenta. Todo vive en tu dispositivo. Registra tus ingresos, tus compromisos y tus préstamos. ClarityFlow hace el resto. Suficientemente simple para usarlo cada día. Suficientemente honesto para realmente ayudarte.