FinBuddy vs Sinkstack

Know where your money goes. FinBuddy is a calm, simple way to track spending, plan budgets, save toward goals and stay on top of bills, without connecting your bank. SEE EVERYTHING AT A GLANCE • Your total balance, money in and out this month, and every account on one screen • Cash, bank and wallet accounts in any currency, with automatic conversion • A quick insight into where most of your money went EVERY TRANSACTION, ORGANISED • Add income, expenses and transfers in seconds • Search and filter by type, category or note • Transactions grouped by day with daily totals BUDGETS THAT KEEP UP • Set a monthly limit for any category • See what's left the moment you spend, with a clear warning before you go over • Unspent money carries into next month SAVE FOR WHAT MATTERS • Create goals with a target and a date • FinBuddy shows the monthly pace you need to get there NEVER MISS A BILL • Track rent, utilities and subscriptions • Get reminders before every due date and mark bills paid with one tap • Autopay bills record themselves INSIGHTS • Category breakdowns for every month • A month-end forecast based on your pace • See how this month compares with the last PRIVATE BY DESIGN • No bank logins, no ads, no tracking • Export your data any time; delete your account from inside the app FINBUDDY PREMIUM Free keeps the current month on your phone, one bill reminder and a 3-month CSV export. Premium unlocks: • Full history across every month • Unlimited bills and reminders • Cloud backup and sync across your devices • Full JSON backup Premium is an auto-renewing monthly subscription. Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the period ends. An introductory price, where offered, applies to eligible new subscribers for the stated period, then the regular price applies. Manage or cancel any time in your Apple ID Settings. Terms of Use: https://codelectuals-ai.github.io/finBuddy-legal/terms/ Privacy Policy: https://codelectuals-ai.github.io/finBuddy-legal/privacy-policy/

Sinkstack turns irregular bills into a plan for every paycheck. Create a sinking fund for each bill you only see a few times a year, such as car insurance, holidays, renewals and repairs, and Sinkstack shows what to set aside from each upcoming paycheck so each one is covered by its due date. NEW IN 4.0: PAYCHECK PLAN Choose how often you are paid and one payday. Each of your next 4, 6 or 12 paychecks then lists what to set aside for every fund: • Funds with a due date spread what they still need evenly across the paydays before that date, exact to the cent. • Recurring bills start their next cycle automatically after each due date. • Funds without a due date use the contribution you planned. • Bills that land before your next payday are flagged with the amount still needed. • Enter your take-home pay (optional) to see what is left after the set-asides. • Book the next paycheck's set-asides as deposits in one step, or export the plan as CSV. ALSO NEW • Backup & Restore: one file with every fund, ledger entry, pay schedule and Payday Bridge plan. Restore checks the whole file first and saves a copy of your current data before replacing anything. • Widgets: a Next Payday countdown (you set the schedule in the widget; it never shows balances) and Quick Actions for the allocator, Paycheck Plan and Payday Bridge. • Control Center control and Siri / Shortcuts actions to open the allocator, Paycheck Plan or Payday Bridge. • A redesigned tab layout: Funds, Paychecks, Calendar, Insights and Settings. EVERYTHING ELSE YOU ALREADY HAVE • Unlimited sinking funds with goals, due dates, weekly to annual contributions, revolving funds and recurring bills that reset after each due date. • Paycheck allocator: split new money across your funds proportionally, by priority or evenly, booked as dated deposits. • Payday Bridge: put income and payments on real dates to find the lowest balance before payday and test a late payday. • Funding Calendar: 12 months of set-asides and bill dates, with busy months marked. • Insights, catch-up options for funds that fell behind, a what-if solver, PDF statements and CSV export. • 60+ templates for common irregular expenses. PRIVATE BY DESIGN No account, no bank login, no ads, no tracking. Your data stays on your device. Amounts use exact decimal math. One purchase. No subscription. Sinkstack is a planning tool. It does the arithmetic on the numbers you enter; it does not move money, connect to a bank or give financial advice. iPhone and iPad.