Klarr vs ExpenseFlow

Klarr is a personal finance app that helps you see exactly where your money is going. Track your spending, import bank statements, scan receipts, and keep an eye on your subscriptions - all in one place, all stored privately on your device. IMPORT AND SCAN • Import bank statements from any bank in CSV, PDF, or spreadsheet format • Scan receipts with your camera to add transactions on the spot • Transactions are automatically sorted into the right categories • Duplicate transactions are detected and handled for you TRACK EVERYTHING • Add multiple accounts - bank accounts, credit cards, and wallets • Set monthly spending limits by category • See all your subscriptions in one place so nothing slips through • Track transfers between your own accounts SEE THE BIG PICTURE • Visual charts that show where your money comes from and where it goes • Spending by category, monthly comparisons, and trends over time • See how fast you are spending through the month • Budget progress so you always know where you stand YOUR PRIVACY MATTERS • Your data is stored locally on your device as the primary copy • While signed in, an encrypted backup syncs to your private account • No ads, no data selling, no third-party tracking • Export your data as a spreadsheet or PDF whenever you want ORGANIZE YOUR WAY • Create your own spending categories with custom colors and icons • Set rules to automatically tag transactions (e.g. "Netflix" goes to Entertainment) • Edit and organize imported transactions in bulk Whether you check in daily or do a monthly review, Klarr gives you a clear, honest picture of your finances - without the clutter, the ads, or the privacy concerns.

ExpenseFlow is the fast, private way to track daily spending. Type "coffee 4.50" and you're done — AI files it under the right category instantly. No bank logins, no spreadsheets, no clutter. PRIVATE BY DESIGN — OUR PROMISE Some expense apps want access to your messages or inbox to auto-log purchases. ExpenseFlow deliberately does not — and never will. Nothing in the app reads your texts or email. Automatic help comes only from actions you choose: quick-typing a line, speaking a voice note, snapping a receipt, or sharing a screenshot. NEW — IMPORT FROM A SCREENSHOT (Premium) Screenshot your bank app, card app or payment history — or a single payment notification — and bring it into ExpenseFlow. Share it straight from Photos, or pick it from the Add screen. AI reads the amount, the merchant and the date, suggests a category and subcategory, and shows you every entry to confirm and edit before anything is saved. Send them to your personal ledger, a shared group, a business, or an office trip. Screenshots are used only to pull out the transactions and are not kept. LOG AN EXPENSE IN SECONDS • Quick Add: type "groceries 62" — amount, category, done • Voice input, processed on-device • Receipt scanner: photograph a receipt, AI reads the total (Premium) • Import from a screenshot of your payment history (Premium) • Recurring bills suggested on schedule — always with your confirmation AI THAT WORKS FOR YOUR MONEY • Auto-categorization that learns your merchants • AI Coach: ask "how much did I spend eating out?" or "can I afford this?" — answers computed from your real numbers • Month-end forecast and smart insights that catch creeping subscriptions BUDGETS THAT MAKE SENSE • 50/30/20 made visual: Essentials / Lifestyle / Savings • Safe-to-Spend: one number for what's actually free to spend today • Category budgets, savings goals, streaks, weekly review SPLIT & SHARE (PREMIUM) • Groups for roommates, trips, and family — split, track balances, settle up • Give the group its own categories — everyone sees the same list • Business mode for side-hustle income & expenses • Multi-currency support for travel YOUR DATA, YOUR RULES • Works fully offline; syncs securely when online • Free JSON & CSV export — your data is never held hostage • Face ID / Touch ID app lock • Delete your account and all data in-app, any time Premium is a monthly or yearly auto-renewing subscription with a 7-day free trial for new subscribers. Payment is charged to your Apple ID account. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period; manage or cancel in Settings. Terms: https://expenseflow-mobile-app-web.web.app/terms.html Privacy: https://expenseflow-mobile-app-web.web.app/privacy.html