Faro Wealth vs FreedomPilot

Faro shows your whole financial life in one place: what you own, what you owe, what you can safely spend today, and where you are heading long term. Your financial data stays on your iPhone. No bank connection, no account to create, no ads. EVERY DAY • Safe-to-Spend — what you can spend today and for the rest of the month, with committed money kept separate from what is actually free • Quick entry in plain language: type "groceries 42" and Faro fills in the amount and category • Scan a receipt: photograph it and Faro reads the merchant, total and date — all on device, and the photo is never stored • Import transactions from your bank's CSV or Excel file, with a review step before anything is saved — no bank connection and no credentials • A calendar that puts every payment on its own day • Upcoming bills and subscriptions: Faro spots your recurring charges and alerts you when a price goes up • A weekly review of what changed in your spending, savings and goals • Log an expense from Shortcuts or with Back Tap, without opening the app BUDGET • Monthly income, spending and saving, with categories and subcategories • Savings and investments count as allocations, not spending — so your savings rate is right • Recurring rules for salary, bills, transfers and automatic investing, with per-occurrence exceptions: move, change the amount, or skip ACCOUNTS AND NET WORTH • Bank accounts, cash, cards and loans, with transfers and a full per-account history • Net worth in a single number: accounts, investments, property and liabilities • A cash-flow forecast for the months ahead • Cash runway: how many months your available money lasts at your current spending INVESTMENTS • A portfolio of stocks, ETFs and crypto, with average cost and per-position return • End-of-day market prices • Compare each holding with the index it tracks • Markets: indices from the Americas, Europe and Asia • Multi-year portfolio projection with recurring buys and scenarios PLANNING • A financial health score, broken down by area, with concrete next steps • Goals with a completion forecast • FI Planner: when you reach financial independence, with scenarios ON YOUR DEVICE • Three home screen widgets • Hide every amount with one toggle • Face ID lock • 12 base currencies, using ECB rates • Backup and restore to a file you control PRIVACY Your transactions, accounts and balances are stored locally on the device. Faro never connects to your bank, never asks for credentials, and does not track you. To show share prices and exchange rates it requests market data from the Faro service, and company logo images from Logo.dev — without sending your financial details. FARO PREMIUM Free: up to 50 transactions per month, 3 accounts, 3 recurring rules, 1 investment, 1 goal, and the last month of history when importing a bank file. Premium: unlimited transactions, accounts, recurring rules, investments and goals, import of your full history, automatic investing, a daily spending chart, Money Flow for any period, portfolio and cash-flow forecasts, wealth summary, financial health improvement steps, FI Planner, every weekly insight, runway scenarios, a 90-day bills timeline, your choice of benchmark index, annual reports, CSV export and the premium widgets. Monthly or annual auto-renewing subscription, billed to your Apple Account. It renews automatically unless cancelled at least 24 hours before the end of the current period, and can be managed in your account settings. Company logos provided by Logo.dev. Terms of Use (EULA): https://farowealth.app/faro_terms_eula_bilingual Privacy Policy: https://farowealth.app/faro_privacy_policy_bilingual

Your bank shows what you have. FreedomPilot shows what you can safely spend. FreedomPilot brings your cash, bills, credit cards, subscriptions, spending, investments, debt, and financial goals together—then helps turn that information into a clearer plan for what comes next. KNOW WHAT YOU CAN SAFELY SPEND A bank balance doesn’t tell the whole story. FreedomPilot’s Safe-to-Spend helps you understand what’s actually available after considering upcoming bills, credit card payments, subscriptions, and other obligations. BUILD YOUR FREEDOM PLAN Turn your financial goals into a step-by-step roadmap. See what to focus on now, what comes next, and how your progress can move you closer to financial freedom. SEE WHERE YOUR MONEY GOES Understand transactions, daily spending trends, and merchant activity so you can see where your money is going and make more informed decisions. TRACK YOUR COMPLETE FINANCIAL PICTURE Monitor cash, investments, liabilities, and net worth together. See more than individual account balances—understand the bigger picture. ASK FREEDOMPILOT Get personalized AI-powered guidance based on your FreedomPilot financial data. Ask about cash flow, upcoming bills, subscriptions, debt payoff, spending, retirement planning, and more. STAY AHEAD Morning Briefs, upcoming bill reminders, and financial insights help bring important information to you when it matters—not just when you remember to open the app. USE FREEDOMPILOT YOUR WAY Start in Manual Mode and manage your finances yourself, or use Connected Mode to securely connect supported financial accounts for automatic updates and deeper insights. BUILT FOR THE ROAD AHEAD Whether you’re trying to get control of spending, pay down debt, build savings, understand your net worth, or work toward greater financial freedom, FreedomPilot gives you one place to see where you stand and what comes next. YOUR MONEY. YOUR PLAN. YOUR FUTURE. Financial freedom doesn’t happen overnight. It starts with understanding where you are, deciding where you want to go, and having the right tools to help you get there. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/