Float Cashflow vs Flow

Float was built around a simple idea: categorizing every purchase never really helped me, but seeing what I need to pay and whether I’ll make it to my next paycheck did. Float helps you track your balance, upcoming bills, paychecks, and reserve savings in a clean, easy to understand timeline. Instead of focusing on complicated budgeting categories, Float focuses on short term cash flow so you can quickly see what’s coming up and avoid surprises. Features include: • Cash flow forecasting • Upcoming bill and paycheck tracking • Multiple accounts • Reserve and savings goals • Simple, distraction free design • Local storage, your data stays on your device Float is built for people who want clarity without the complexity of traditional budgeting apps.

Flow is a personal finance app that respects your privacy. Your money data stays on your device. No accounts, no ads, no analytics, no tracking SDKs. WHY FLOW Most finance apps are a privacy black box — they read your transactions, sell your spending patterns, and lock features behind subscriptions. Flow doesn't. Everything works offline. The app costs nothing. WHAT'S INSIDE - Smart Add: type "12 coffee" and Flow predicts the category from a 4-layer model — note keyword, your merchant memory, the time of day, and a fallback. Median add is 3 taps. - Recurring bills: track rent, subscriptions, salary. The Plan tab shows what's coming, what's paid, and what's left in your monthly Disposable. - Budgets per category: a soft warning at 80%, a stop sign at 100%. Rollover supported. - Net worth chart: 24 months of history, four time windows, drill into any account. - Insights: month-over-month deltas per category, income vs. spending by month, spike alerts when a category is 2σ above your rolling mean. - Multi-currency: hold accounts in different currencies, see totals converted to your display currency. FX rates refresh daily from a public provider — opt-in. - 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu. - Demo profile bundled — explore the full app with two years of realistic sample data before adding a single real transaction. PRIVACY Your data is stored only on your device (SQLite + MMKV). No backend. No login. No advertising network. No telemetry by default. Optional: FX rates fetched once per day from a public exchange-rate service; you can switch this off. EXPORT Export your full history as JSON or CSV at any time. Restore from a prior JSON export to a fresh install. Monthly and yearly PDF reports. OPEN ROADMAP Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+. — Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/ Terms: https://aqsaqal.github.io/moneyapp/flow/terms/ Support: ak.saken@gmail.com