OurPlan vs VulpFlow

Getting out of debt is hard enough. Doing it as a couple should not require guessing who paid what, arguing over priorities, or handing over your bank credentials. OurPlan helps couples turn each paycheck into a shared financial recovery plan. It does not import transactions or move money. Instead, it helps you decide what should happen next, carry out the plan, and confirm what actually happened. PUT REQUIRED PAYMENTS FIRST Add credit cards, loans, and other debts with their balances, APRs, minimums, and due days. Debt minimums become protected Essentials in the payday plan before savings and flexible spending. If income is short, Debt Rescue Mode shows what the entered paycheck can cover and where the shortfall remains. KEEP THE PAYDAY PROMISE Assign the paycheck across bills, debt, savings, and spending buckets. Assignment means planned—not paid. After you make a payment or transfer, confirm the actual amount so both partners can see what is still open. KNOW WHETHER YOU ARE ON TRACK OurPlan distinguishes money that was assigned from actions that were confirmed. Money Meetings surface unfunded commitments, unconfirmed debt payments, stale agreements, and the next move to make together. PLAN DEBT WITHOUT BLAME Compare estimated debt avalanche and debt snowball timelines, document ownership and fair contributions, and answer difficult planning questions privately before revealing both choices. FREE CORE Create a shared plan, invite your partner or spouse, protect debt minimums, assign paychecks, use Debt Rescue Mode, keep Payday Promises, and run guided Money Meetings. OURPLAN PRO Unlock Debt Payoff Forecasts, Couple Debt Agreements, Shared Debt Progress, Private-Then-Reveal Planning, Partner Balance, What-If scenarios, insights, unlimited buckets and goals, recurring items, full meeting history, premium widgets, and CSV export. WHY NO BANK LINKING? Bank feeds explain past transactions. OurPlan focuses on the decisions and follow-through that determine what happens next. You confirm lender balances and completed payments yourself, so progress is based on information you entered—not an unsupported claim that a payment cleared. IMPORTANT Payoff forecasts are estimates based on the balances, rates, payments, and timing you enter. OurPlan does not guarantee payoff dates, move money, verify lender activity, or replace financial, legal, tax, or credit advice. Annual Pro is $49.99/year with a 14-day free trial for eligible new subscribers. Monthly Pro is $9.99/month. Purchases restore on devices signed in with the same Apple ID. Your household plan is encrypted before syncing through CloudKit. There are no bank credentials or third-party ad tracking. Privacy Policy: https://getourplan.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

What if you finance a new car — how does the monthly payment reshape your cash flow? What if a Caribbean trip hits in July? What if your bills all land on the same week? What if you cut that credit card bill in half? Most apps tell you what happened. VulpFlow shows you what's coming. Enter your income, bills, loans, and credit cards once — and see your balance play out day by day. --- WHAT MAKES IT DIFFERENT --- Other apps track the past. VulpFlow maps the future. No bank connection required. No data leaves your device. --- WHAT YOU CAN DO --- - See your next cashflow gap before it hits - Get warned before your balance goes negative - Track loans, credit cards, and bills in one timeline - Run "what if" scenarios and see the impact instantly - Set alerts so nothing catches you off guard --- WHO IT'S FOR --- You earn enough. But timing gets messy. Rent hits before payday. Cards overlap with bills. A good balance turns into a stressful week. VulpFlow is for people who don't have a spending problem. They have a timing problem. --- YOUR PRIVACY --- Everything stays on your device. No account. No cloud. No ads. Free to start. Upgrade to Pro for 1-year forecasts, unlimited accounts, and smart alerts. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://foxdenlab.com/vulpflow/privacy.html