FlowFunds Finance Planner vs Bloom

FlowFunds is a private, local-first finance planner for Mac, iPhone, and iPad. Organize budgets, cash flow, debt, savings, investments, and long-term goals without linking bank accounts or brokerage accounts. Designed for people who want practical visibility into their financial life without connecting bank accounts, brokerage accounts, or outside financial institutions, FlowFunds gives you a clear place to enter your own numbers, build dashboards, compare scenarios, and understand how today’s choices may affect future outcomes. Create finance dashboards for everyday planning, review recurring income and expenses, track savings goals, model debt payoff, explore compound growth, and use planning calculators to better understand your personal finances. Premium tools unlock expanded views for income, debt, analysis, and deeper financial review. FlowFunds is local-first and privacy-focused. Your dashboard data is created by you and stored on your Mac, iPhone, and iPad, with optional iCloud document support for Apple account syncing. Optional Caelvex Labs market-data lookups can refresh investment prices, dividend yields, and historical price series for planning scenarios. Key features: • Personal finance dashboards for focused money planning • Budget and cash flow organization • Income, savings, debt, and investment planning tools • Investment rows with optional market-data refreshes • Historical Monte Carlo planning and target probability views • Compound growth and long-term goal calculators • Scenario comparison for personal financial decisions • Optional iCloud document support • Premium unlock through Apple In-App Purchase • Clean Mac interface built for focused financial review FlowFunds is for planning, organization, and calculation. It does not provide investment advice, trading recommendations, banking services, brokerage services, lending, insurance, tax advice, legal advice, or fiduciary money management. Use FlowFunds to understand your own numbers, compare possibilities, and make more informed personal finance decisions.

Track spending without linking your bank. Bloom is free, with no ads and no sign-up: log every expense in seconds, build a budget and see where your money goes. LOG IN SECONDS • A dedicated keypad with a built-in calculator for expenses, income and transfers. • Categories and payees that learn from what you do. • Notes, references and a photo or PDF of the receipt on every transaction. • Favorites, a Quick Add widget, Control Center and Siri. EVERY ACCOUNT AND CARD • Checking, savings, cash, credit cards, investments and loans. • Running balance on every transaction and reconciliation against your statement. • Any currency, with exchange rates that update by themselves. BUDGETS AND SAVINGS • Category budgets with a daily pace. • "Safe to spend": what's left for today, no guessing. • Upcoming bills, savings goals and a debt payoff plan. UNDERSTAND YOUR MONEY • Reports: spending by category, income vs. expenses and net worth. • A recap of every month, and search that understands dates and amounts. • Export to CSV or PDF. FOR COUPLES AND FAMILIES • Share a workspace, or just some accounts, with your partner through iCloud. • Keep personal, business and household money apart in separate workspaces. ON ALL YOUR DEVICES • iPhone, iPad, Apple Watch and a native Mac app. • Widgets on the Home Screen, Lock Screen and Mac desktop. • 11 app icons and more than 500 icons for your categories. YOUR DATA IS YOURS Bloom has no servers and no sign-up. Everything lives on your device and in your private iCloud, with daily automatic backups. Lock it with Face ID. Coming from MoneyWiz, a spreadsheet or another app? Import your history from CSV. Bloom is free, with no ads.