Quiet Budget vs Payday Flo

Budgeting that doesn't shout. Quiet Budget is a calm, manual money tracker, no bank linking, no ads, no notifications nagging you about a $4 coffee. Every transaction goes in by hand, on purpose, so you actually notice where your money's going. The mainstream finance apps want to connect to your bank, parse your accounts, and monetize your data. Quiet Budget does none of that. No bank connections. No ads. No analytics. The app works fully offline with no account at all — your money is your business. WHAT'S INSIDE (FREE) - Manual entry for income, expenses, transfers, and balance adjustments - Multiple accounts — checking, savings, cash, credit cards — all tracked by hand - Category budgets with month-over-month visibility - A "Quiet Money Left" view that tells you what you actually have to spend - Notes on every transaction so you remember why you bought it - Full history with search and filters - CSV export for full data portability - Hide-balances toggle for when you're in public QUIET PLUS (OPTIONAL UPGRADE) - Plan — zero-based budgeting, so every dollar has a job - Save up for big future bills - Savings goals you can actually see progress on - Recurring calendar for payments and subscriptions, so nothing slips through - Trends and deeper insights - Debt payoff tools — watch an extra payment move your debt-free date - Rose theme - Optional account and cloud sync, to keep your budget across devices or share it with a partner Quiet Plus pricing: - Monthly — $2.99 per month - Yearly — $24.99 per year - Lifetime — $69.99, one time Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Lifetime is a one-time purchase and never renews. PRIVACY, FOR REAL Quiet Budget is local-first. With no account, everything stays on your device — nothing is transmitted, and there is nothing for us to collect. There is no advertising, no tracking and no analytics SDK anywhere in the app, on any tier. Only if you choose to turn on the optional account and sync does any of your data leave your device — encrypted in transit and stored in a private space tied to your account. We never sell it, mine it, or advertise against it. You can export everything, or delete your account and its synced copy, at any time from inside the app. WHO IT'S FOR People who tried YNAB, Mint, Monarch, or Copilot and bounced off the complexity or the bank-linking requirement. People who want to be intentional with money without being surveilled. People who like the friction of writing things down because it makes them think. Built solo in Edmonton, Alberta by Echo House Labs. Privacy Policy: https://echohouselabs.com/privacy Terms of Use: https://echohouselabs.com/terms

Payday Flo is built for people who get paid every two weeks and budget one paycheck at a time — not people with a steady monthly salary and a spreadsheet. Tell it what you earn and what you owe. Every payday, Flo shows you exactly which bills this check has to cover, what's already handled, and what's genuinely free to spend. PLAN EVERY PAYCHECK • See what each check must cover before the next one lands • Bills bucket sizes itself automatically from your real bills • Add a buffer for variable bills like utilities • Split the rest across spending, savings and debt KNOW WHAT'S COVERED • A running reserve that carries leftover money forward • Cash you already have counts toward your bills • Forecast the next several paydays and spot a shortfall early • Clear warning when bills outrun your income BILLS THAT KEEP THEMSELVES STRAIGHT • Weekly, monthly and yearly recurring bills roll forward on their own • Mark bills as auto-pay and confirm when they post • Choose which account or credit card each bill is paid from • Reminders before anything is due DEBT AND CREDIT • Avalanche or snowball payoff plans with a debt-free date • See how much interest an extra payment saves • Set a credit limit and get warned before a charge goes over it • Advance heads-up to make a payment before you hit the limit SAVINGS AND SPENDING • Savings goals with a realistic finish date • Buckets by percentage of pay, or a fixed dollar amount per month • Track spending against what this pay period actually allows • Accounts and net worth in one place PRIVATE BY DEFAULT • Your budget lives on your device • Optional Face ID lock • Syncs across your devices through your own iCloud account • No ads, and we never sell your data SUBSCRIPTION Payday Flo Core and Payday Flo Plus are available monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://neonpathlabs.com/privacy Terms: https://neonpathlabs.com/paydayflo/terms