Swiss Flow vs Topf

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.

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: amount, category, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input requires a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets and voice input, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/