Expenses & Subscriptions vs SubFlow

Expenses & Subscriptions is the iOS app to control your expenses, subscriptions and shared accounts without relying on any server. Your data lives on your iPhone and is synced only with the people you pick via iCloud Drive. FEATURES • Subscription hub with automatic logos, monthly total and upcoming renewals. • Personal and shared expenses, with your real share calculated automatically. • Financings with installments, remaining debt and next charges. • Full salaries with breakdown, plus other income in the same month: extra payments, rent, one-off jobs. • Hypothetical scenarios to simulate raises, moving houses or new expenses. • Dashboard with alerts, category radar and monthly/yearly breakdown. • Calendar with upcoming charges and filters. • Import and export your full data as CSV (no lock-in). • Multi-select with bulk archive/delete and Undo. • Payment methods, colors and full personalization. PRIVACY • No account, no sign-up, no external servers. • Data never leaves your iPhone except to the iCloud Drive folder you choose. • No ads, no trackers, no in-app purchases. Perfect for couples, flatmates or anyone who wants detailed control of their finances without depending on someone else's cloud.

Know exactly what leaves your account every month. SubFlow brings subscriptions and recurring bills together, warns you before renewals and helps you act on costs you no longer need. TRACK EVERY RECURRING COST • Add subscriptions from a catalogue of 136 services across 30 country packs • Track monthly, yearly and custom billing cycles in 21 currencies • See projected spend, actual payments, lifetime totals and cost per use • Record paid, skipped, partial and refunded payments NEVER MISS A RENEWAL • Choose a reminder for each subscription • Get trial-ending and contract-deadline warnings • View renewals and payment history in a calendar • Schedule reminders on device, so basic alerts work without an account IMPORT INSTEAD OF TYPING • Scan a receipt with Apple Vision on your iPhone • Import PDF or CSV statements and review recurring-payment suggestions • Detect likely duplicates before adding them • Camera and shared-file receipt images are processed locally and are not uploaded FIND PRACTICAL SAVINGS • Run a guided subscription audit: keep, downgrade, pause or cancel • Review duplicate, unused, annual-plan and bundle suggestions • Open verified service pages, then mark an action done • Track estimated and realised savings in one scoreboard CANCEL WITH A PLAN SubFlow can show the provider's cancellation route, important notice dates and a checklist. Where useful, it can prepare a cancellation message for you. SubFlow does not cancel a service automatically; you remain in control and confirm when an action is complete. SHARE AND SYNC Pro members can create shared groups, choose who pays and split recurring costs. Optional cloud sync keeps supported data current across signed-in devices. Optional receipt forwarding gives you a unique SubFlow address for receipts you choose to send. MADE FOR APPLE DEVICES • Home Screen and Lock Screen widgets • Apple Watch app and complications • Siri and Shortcuts • Share Sheet import • Optional calendar sync • Face ID or Touch ID app lock PRIVATE BY DESIGN • No advertising or cross-app tracking • No third-party analytics SDK • Camera receipt recognition runs on device • Cloud sync and email receipt forwarding are optional • Core tracking works without creating an account FREE AND PRO Free includes up to 5 active subscriptions, renewal reminders, widgets, currency conversion, 3 receipt scans per month, 90 days of payment history and limited monthly smart tools. Pro unlocks unlimited active subscriptions and receipt scans, full payment history, advanced analytics, shared groups, cloud sync, email forwarding, advanced exports and higher fair-use allowances for server-assisted tools. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/