Minus. vs FinanceForest

Tired of subscription trackers that demand your bank login and charge you a monthly fee? Meet Minus. Minus. is a brutalist, privacy-first subscription manager that helps you calculate your true monthly burn rate without ever compromising your data. KEY FEATURES: • 100% Offline & Private: Your financial data never leaves your device. We use Apple's native secure storage. • No Bank Logins: Add your subscriptions manually for total control and security. • True Monthly Burn Rate: Automatically converts yearly and weekly subscriptions into a clear monthly cost. • Smart Push Reminders: Get notified exactly 3 days before a subscription renews so you can cancel in time. • Brutalist Minimal Design: A distraction-free, lightning-fast interface with full Dark Mode support. MINUS. PRO (One-Time Purchase): We hate subscription fatigue as much as you do. Upgrade to Minus. Pro with a single, one-time payment to unlock unlimited subscription tracking and secure your data with Face ID / Touch ID. Track subscriptions, not your data.

Know your number. Actually. Finance Forest: Net Worth is the private, net worth tracker for iPhone and iPad. Add one snapshot a month — every account, every trend, every goal — stored entirely on your device with nothing sent to any server. WHAT YOU TRACK Assets: checking, savings, emergency fund, brokerage, ETFs & stocks, 401(k), IRA, Roth IRA, real estate, crypto, vehicles, HSA, business equity, valuables, foreign accounts, index funds, 529 plans, and more — plus unlimited custom account types you define yourself. Liabilities: mortgage, credit cards, auto loans, student loans, HELOC, personal loans, medical debt — plus any custom debts you name. MONTHLY SNAPSHOTS Add one snapshot per month. Smart prefill carries your previous balances forward so each update takes seconds. Every account, every value, every month — stored in order forever with no paywall on your history. FIRE CALCULATOR Set your total Financial Independence number and liquid bridge corpus using safe withdrawal rate math. Watch your real portfolio fill the progress bars as you save — with separate targets for total FIRE and bridge corpus, plus target age countdowns. INSIGHTS See what's actually driving your number. Top movers by absolute and percentage change, all-time gain, CAGR, tracking duration, liquid vs. illiquid asset split, and FX rate trends for multi-currency portfolios. MULTI-CURRENCY Track accounts in two currencies. Enter the FX rate with each snapshot — no live data feeds, no third-party access to your numbers. PRIVACY — NO COMPROMISES • Zero servers. Your data never leaves your device. • iCloud sync via Apple's own CloudKit — encrypted end-to-end, visible only to you. • No account, no login, no ads, no subscriptions. • Optional Face ID / Touch ID lock. YOURS TO CONFIGURE Six color themes let you make the overview feel like your own — from Ocean to Ember. Choose what appears on the home screen, set monthly snapshot reminders, and manage accounts and custom types your way. Finance Forest: Net Worth is completely free. No subscription. No paywall on your history.