AxioPersonal vs Raydient

AxioFlowPersonal Finance Tracker AxioFlowPersonal is a simple, private personal finance tracker designed to help you take control of your money. Track income and expenses, manage multiple accounts, set budgets, schedule recurring payments, and monitor installments, all from one clean and intuitive interface. Quickly log transactions from your iPhone Home Screen with the interactive AxioFlowPersonal widget. YOUR MONEY, YOUR DEVICE All your financial data stays on your device. Nothing is sent to external servers. If you enable iCloud Sync or Backup, your data is stored in your own iCloud account and never shared with anyone. INTERACTIVE HOME SCREEN WIDGET Manage your finances without opening AxioFlow. • See the balances of your 3 most-used accounts
• Quickly add Income, Expense, or Transfer
• Select an account, enter an amount, and choose a category from the widget
• Complete transactions without opening the main app
• Widget balances update automatically DASHBOARD AT A GLANCE See monthly income, expenses, and net balance in one place. The Due Today panel highlights bills and scheduled payments that need attention. View income and expense breakdowns and spending trends over time. TRANSACTION TRACKING Log income, expenses, and transfers with a built-in calculator. Browse by month in list view or by date in calendar view. Filter by account and see running balances. Swipe to delete or tap to edit. MULTIPLE ACCOUNTS Manage up to 6 account types: Cash, Debit, Credit, eWallet, Loan, and Savings. Choose which accounts are included in your total balance, track credit card debt separately, and transfer money between accounts. SCHEDULED TRANSACTIONS Set up recurring payments daily, weekly, monthly, yearly, or at the end of the month. Post full or partial amounts when they come due. Edit a single occurrence or future occurrences. Completed and expired items are automatically archived. INSTALLMENT TRACKING Track payment plans such as phone installments or loans. See how many periods you've paid and how many remain. Each installment can automatically create a scheduled transaction. BUDGETS Set monthly spending limits for expense categories and track your progress at a glance. NET WORTH See your overall financial picture with a net worth figure based on your assets and liabilities, including credit card debt and remaining installments. SPENDING INSIGHTS See your savings rate, month-over-month spending change, average daily spend, biggest expense, and top 3 expense categories. BILL REMINDERS Get push notifications when scheduled payments are due and choose your preferred reminder time. CATEGORIES Use built-in expense and income categories. Pro users can add custom categories, rename existing ones, and delete categories they don't need. iCLOUD SYNC & BACKUP Keep your data updated across devices with iCloud Sync. Create timestamped backups and restore previous backups at any time. Auto Backup runs daily when enabled. EXPORT Export transactions as a CSV spreadsheet or printable PDF report. Select a date range and get a clean summary of income, expenses, and net totals. THEMES Choose Dark, Light, or System theme. FREE TO USE AxioFlowPersonal is free with core features including up to 3 accounts, 5 scheduled transactions, and full transaction tracking. Upgrade to Pro for unlimited accounts and scheduled transactions, budgets, installments, net worth, charts, spending insights, bill reminders, iCloud Sync & Backup, exports, all themes, custom categories, and an ad-free experience. PRO OPTIONS • Monthly or Yearly subscription with a 7-day free trial
• Lifetime purchase for ₱1,290 with no recurring charges Privacy Policy: https://github.com/jchtaniegra17/axioflow-personal-privacy
Terms of Use: https://github.com/jchtaniegra17/axioflow-personal-terms

Raydient is the essential financial toolkit for the modern student. Most finance apps are designed for established professionals with complex needs, or they are too basic to provide real value. We built Raydient specifically for high school and college students who want to master their finances without the complexity of a manual spreadsheet. It is a streamlined, free application that focuses on the three pillars of financial success: intentional spending, goal-oriented saving, and market education. The budgeting interface is engineered for speed. You can track expenses and monitor your balance in seconds, making it easier to maintain a clear pulse on your spending habits. When you are saving for a milestone, like a first vehicle, a semester abroad, or a security deposit, the goal tracker provides a visual map of your progress. Seeing tangible growth is far more effective than simply checking a bank balance. One of the most powerful features is the stock market simulator. We know that investing can feel high stakes when it is your own hard-earned money on the line. Raydient provides a risk-free environment to practice. By using live market data and virtual currency, you can test investment strategies and see exactly how your portfolio would perform in real time. It is a practical way to build your confidence and understanding of the market before you commit real capital. Raydient is secure, fully encrypted, and optimized for a seamless iOS experience. It is about more than just tracking numbers; it is about building a professional financial foundation while you are still in school.