OwenFlow vs BudgetFlow Expense Tracker

Know where your money goes — before it's gone. OwenFlow is a personal finance tracker built around one simple idea: When you log every transaction by hand, you become aware of where your money goes. And awareness is what changes habits. No bank connections. No automatic imports. Just you, your money, and a clear picture of your financial life. ―――――――――――――――――――― TRACK EVERYTHING IN ONE PLACE ―――――――――――――――――――― - Log expenses by category — Housing, Groceries, Dining, Transport, and more - Record income from multiple sources — Salary, Freelance, Bonus, Investments - Track all your debts — mortgage, credit cards, car loans — and watch the balance go down - Set monthly budgets per category and see exactly how much you have left ―――――――――――――――――――― KNOW YOUR FINANCIAL HEALTH ―――――――――――――――――――― OwenFlow Score gives you a single number — out of 100 — that reflects how well you're managing your money this month. It's calculated based on your spending habits, budget adherence, and income-to-expense ratio. The Reports screen also shows: - Monthly income vs. expense trends over the last 6 months - Spending breakdown by category with percentages - Smart insights to help you make better decisions ―――――――――――――――――――― NEVER MISS A RECURRING PAYMENT ―――――――――――――――――――― Add subscriptions and recurring bills once, and OwenFlow reminds you when they're coming up. See your full list of upcoming payments at a glance — no surprises at the end of the month. ―――――――――――――――――――― BUILT FOR SIMPLICITY ―――――――――――――――――――― Adding a transaction takes two steps: enter the amount, and pick a category. That's it. OwenFlow is designed to get out of your way so you can stay consistent. - Clean, minimal interface - Daily streak to keep you motivated - Works offline — your data, your device ―――――――――――――――――――― YOUR DATA, YOUR PRIVACY ―――――――――――――――――――― OwenFlow does not connect to your bank. We never see your account numbers or financial credentials. You enter only what you choose to enter. Sign in with Apple, Google, or Email — your choice. Start tracking today. Know where your money goes.

Take control of your money with BudgetFlow — the simple, powerful budget tracker built for iPhone. Set monthly budgets for every spending category, track your expenses and income in real time, and always know exactly where your money is going. KEY FEATURES Smart Dashboard: See your total budget, spending, and savings at a glance. Color-coded category cards show your progress instantly — green when you're on track, red when you're over. Apple Card Auto-Import: Connect your Apple Card or Apple Cash and BudgetFlow automatically imports your transactions. Spending is categorized intelligently using merchant names and industry category codes — no manual entry needed. Expense Calendar: View your spending day by day in a visual calendar. Tap any day to see exactly what you spent and what incomecame in. Income Tracking: Track all your income sources — salary, freelance, side income — and mark each as received or pending. Know your real cash flow at all times. Monthly Reports: Generate detailed PDF reports for any month with a single tap. Share or save a full breakdown of income, spending by category, and your savings rate. Custom Categories: Create unlimited budget categories with custom names, colors, and icons. Personalize your budget to match your actual life. Smart Search: Instantly search any transaction across all months. Siri Shortcuts: Add expenses hands-free using Siri. Just say "Add expense to BudgetFlow." PRIVACY FIRST All your financial data stays on your device. No accounts, no cloud, no subscriptions. Your data is yours. BudgetFlow is free and designed for anyone who wants a clear, honest picture of their finances.