Outgo vs MonthFlow

Our app is free now! A subscription is just a bill with better branding and a marketing department. Outgo helps you track recurring charges across iPhone, iPad, and Mac with one purchase and no monthly subscription. Add your subscriptions and regular bills once, then see what they cost monthly, annually, and over time. Outgo is especially useful for the charges that are easiest to forget: annual renewals, quarterly bills, free trials, and those quiet little monthly services that add up. It also helps answer the question that matters most: is this subscription actually worth it? Use the Is It Worth It? calculator to compare a subscription’s cost against your hourly value and how much you actually use it. A cheap service can be expensive if you never touch it. An expensive one can be worth keeping if it saves real time or gives real value. Outgo includes: • One purchase for iPhone, iPad, and Mac • No subscription, no monthly fee, no bank login required • Reminders for monthly, quarterly, annual, and trial-ending charges • Dashboard totals for monthly spend, annual spend, and possible savings • Upcoming bill tracking so charges do not sneak up on you • Is It Worth It? calculator using cost, hourly value, and usage • Smart Insights, including a six-month subscription creep chart • Annual bill calendar for the charges that hide between months • Savings projections over 1, 3, 5, and 10 years • Fixed-cost and optional-subscription organization • Custom categories, colors, notes, websites, and payment details • Home Screen widgets for upcoming bills • iCloud sync across your devices • JSON import/export and PDF reports Break the cycle of unnecessary subscriptions by starting with our free app.

MonthFlow helps you understand whether this month’s money flow is safe, tight, or dangerous without turning your life into daily bookkeeping. Instead of entering every transaction, you update your balance when something changes and add important planned payments. MonthFlow compares the current month with your recent monthly rhythm, then explains the status with clear reasons. What MonthFlow is for: • See if this month looks Safe, Tight, or Danger • Update balance snapshots quickly • Add planned payments that affect the month • Compare against recent month anchors in Precision Mode • Keep your data local-first What MonthFlow is not: • Not a transaction ledger • Not bank linking • Not server-stored finance data • Not opaque AI financial advice Use MonthFlow when you do not want a full budgeting system, but still want to know whether this month has enough room.