Monfluo vs Cetus

Monfluo Mobile: Wallet-App is your all-in-one personal finance app built to help you manage money smarter, track expenses effortlessly, and stay in control of your financial life. Whether you want to monitor daily spending, create monthly budgets, save money, or improve your financial habits, Monfluo gives you the tools you need in one secure and easy-to-use wallet experience. Track every expense with precision using the built-in Expense Tracker and gain real-time insights into your spending habits. Organize transactions into categories, monitor income and expenses, and understand exactly where your money goes each month. Clear financial reports and smart analytics make budgeting simple and stress-free. Create personalized budgets that match your lifestyle and financial goals. Monfluo Mobile helps you reduce unnecessary spending, build better saving habits, and stay organized with intelligent budgeting tools and spending alerts. From groceries and bills to entertainment and travel, every expense is easy to manage. Designed with a modern interface, Monfluo Mobile delivers a fast, secure, and feather-light experience for personal finance management. Whether you are a student, professional, freelancer, or family manager, the app adapts to your financial needs and helps you stay organized anytime, anywhere. Key Features • Expense Tracker for daily spending • Budget Planner with custom monthly budgets • Income and Expense Management • Savings Goals and Money Tracking • Simple and Feather-Light Interface • Personal Finance and Money Management Tools Monfluo Mobile: Wallet-App is more than a budgeting app — it’s your smart financial companion for tracking expenses, planning budgets, saving money, and building better financial habits every day.

Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded. EVERYTHING IN ONE PLACE • Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation • Income, expenses and transfers with merchant, category, tags, notes and photo receipts • Net worth tracked over time, split into assets and liabilities • Custom categories and subcategories with your own colours and icons BUDGETS THAT KEEP UP • Weekly, monthly or yearly budgets across any set of categories • Per-category monthly limits with live progress • Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total • A financial calendar of what is coming up GOALS AND DEBTS • Savings goals with target amounts, target dates and planned monthly contributions • An estimate of how many months each goal will take at your current rate • Debt tracking for credit cards, mortgages, student, auto and personal loans • APR, minimum payment, monthly interest and an estimated payoff horizon REPORTS AND INSIGHTS • Income versus expenses over 3, 6 or 12 months • Spending by category, top merchants and month-over-month comparisons • A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence • Automatic insights that flag rising spending, a strong savings rate or budgets running over PRIVATE BY DESIGN • All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain • App Lock using Face ID, Touch ID or your device passcode • Privacy Mode hides every amount at a glance • Export your data to a portable backup file and restore it on any device • Erase everything from the device in a single step MADE FOR iPHONE AND iPAD • Built with SwiftUI and Swift Charts • Dark-first monochrome design with selectable accent colours, plus light and system themes • Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.