Franklin vs Finiby

Franklin is a personal finance tracker that runs entirely on your phone. No sign-up, no account, no cloud — your money stays your business. TRACK INCOME AND EXPENSES Logging a transaction takes seconds: amount, category, account, date, and a short note. Income, expenses, and transfers between accounts all live in one place. MULTIPLE ACCOUNTS Cash, checking, credit cards, savings — create as many accounts as you need. Each one gets its own color, icon, currency, and initial balance, and any account can be left out of your total balance. BUILT FOR MORE THAN ONE CURRENCY Keep accounts in different currencies and see every total in the one you actually think in. Transferring between currencies? Enter the amount received and the fee, and Franklin does the math. Choose from more than 150 currencies, with exchange rates refreshed in the background. CATEGORIES THAT FIT YOU Start with a ready-made set — groceries, restaurants, transport, housing, utilities, health, entertainment, salary, freelance, investments — then add your own with the icon and color you want. ANALYTICS Total balance, income and expenses for any period, a breakdown by category, and a side-by-side comparison with the period before. Tap any category to see exactly what went into it. FILTERS THAT ACTUALLY NARROW THINGS DOWN Pull up transactions by period, account, category, type, amount range, or the text of a note. YOUR DATA STAYS YOURS Export everything to a single file in one tap and restore it on a new phone just as easily. No hidden uploads: your accounts, transactions, and categories never leave your device. THE SMALL STUFF • Light and dark themes, plus system matching • 12 languages and regional variants • Set up in under a minute • No ads Franklin is for anyone who wants a budget under control without endless setup — whether you're splitting bills, saving for something big, or you just want to know where the paycheck went.

Finiby tracks your money without the busywork. Type a few words like "coffee 4.50" or record a quick voice note, and Finiby works out the amount, picks the category and files it as an expense or income. Prefer doing it yourself? Add anything by hand in a few seconds. The free plan includes 5 AI categorizations a month. Everything below is free with no limits. TRACK EXPENSES AND INCOME Add as many transactions as you like. If you only care about one side of it, turn the other off and it stays out of your way. SEE WHERE YOUR MONEY GOES Charts break your spending and income down by category. Look at a day, a week or a month, or pick any date range you want. BILLS THAT ADD THEMSELVES Mark rent, subscriptions or any regular payment as repeating. Finiby posts it on schedule so you don't have to remember. CATEGORIES THAT MATCH HOW YOU THINK Build your own categories with the icon and color you want. Record transactions in any of 125 currencies, which helps when you travel or spend abroad. WORKS OFFLINE Add transactions with no signal. Everything syncs once you're back online. YOUR DATA STAYS YOURS Sign in with Apple or Google. Your transactions are never used for advertising and never sold. Turn off usage analytics in one tap, or delete your account and its data whenever you want. FINIBY PRO Pro lifts the monthly AI limit and adds: • Unlimited AI categorization by text and voice • Quick Capture from Siri, Shortcuts, the Action Button and Back Tap, so you can log something without even opening the app • CSV export of your full transaction history • Full access to new features $4.99 a month or $44.99 a year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless you cancel at least 24 hours before the period ends. Manage or cancel anytime in your Apple Account settings. Terms of Use: https://finiby.app/terms Privacy Policy: https://finiby.app/privacy