Swiss Flow vs WallyLedger

Swiss Flow transforms your income into a breathtaking Sankey diagram — giving you instant clarity on where every franc goes. Designed exclusively for professionals and households in Switzerland. YOUR SALARY. ONE GLANCE. TOTAL CLARITY. Enter your gross or net income and watch Swiss Flow generate a precision-crafted flow diagram in real time. Every deduction, every expense, every saving — mapped out with elegant Bezier curves on a canvas built for visual perfection. BUILT FOR SWITZERLAND Swiss Flow speaks your financial language. AHV/IV/EO, ALV, BVG, Pillar 3a — all Swiss social deductions are built in and calculated automatically. See your true take-home pay visualized instantly. DESIGNED TO BE BEAUTIFUL No spreadsheets. No clutter. Swiss Flow uses a premium dark-mode aesthetic with glassmorphism effects, hand-tuned color palettes, and silky 60fps animations. Rotate your device to reveal the full Sankey graph in landscape — edit your budget in portrait. Two modes, one seamless experience. SET UP IN 30 SECONDS The onboarding wizard asks four simple questions — household type, children, income, and done. Swiss Flow generates your personalized budget flow automatically. Fine-tune it later with the intuitive bubble editor: drag, split, adjust. FEATURES — Sankey diagram engine with smooth Bezier curve rendering — Swiss payroll deductions: AHV/IV/EO, ALV, BVG calculated automatically — Bubble editor for intuitive budget adjustments — Multiple side incomes support — Export to PNG, JPEG, PDF, or MP4 video — Three premium themes: Gruvbox, Monokai, Tomorrow Night — Light and dark mode for every theme — Swiss Payroll Guide with detailed explanations — Four languages: English, Deutsch, Français, Italiano YOUR DATA STAYS YOURS Swiss Flow has no accounts, no servers, no analytics, and no tracking. Everything is stored locally on your device. Your financial data never leaves your phone. Period. SWISS FLOW PRO Unlock the full experience: add custom expense categories, rename existing ones, track side incomes, export MP4 video, access all premium themes, and remove the export watermark. Swiss Flow — Precision finance, beautifully visualized.

WallyLedger WallyLedger is a private, offline-first personal finance app for iPhone, iPad, and Mac. Track accounts, budgets, savings goals, and recurring transactions while keeping your financial data entirely under your control. Your data stays on your device and in your private iCloud account — never on someone else’s server. No sign-up. No ads. No tracking. FEATURES • Multiple accounts — checking, savings, credit cards, cash, investments • Categorised transactions with tags, notes, and receipts • Budgets with rollover support • Recurring and scheduled transactions • Savings goals with progress tracking • Cashflow forecasts and spending insights • Credit, debt, and mortgage tracking • CSV export • Fully offline with optional iCloud sync PRIVACY FIRST WallyLedger is built with privacy by design. Your financial data is stored locally and synced through your private iCloud (CloudKit) database. We do not operate servers that store or process your financial information. • No analytics • No advertising SDKs • No trackers • No account required FREE The free version includes: • Up to 3 accounts • Up to 2 budgets • Up to 3 savings goals • Up to 3 recurring transactions • Up to 60 transactions per month • Full manual transaction tracking and reporting PREMIUM Unlock the complete WallyLedger experience: • Unlimited accounts, categories, budgets, goals, and recurring transactions • Advanced cashflow forecasts and charts • Subscription, credit, debt, and mortgage tracking • Receipt attachments and scanning • Action and notification history • Full CSV export Premium is available as: • Monthly subscription — $6.99 • Annual subscription — $59.99 • Founders Lifetime purchase — $99.99 at launch Monthly and annual plans include a 7-day free trial for eligible new subscribers. Family Sharing is supported. REQUIREMENTS • iOS 18, iPadOS 18, or macOS 15 or later • iCloud account optional for sync across devices Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current billing period. You can manage and cancel subscriptions in your Apple ID account settings after purchase. Terms of Use: https://www.apple.com/legal/macapps/stdeula/