Budget Flow vs SimpliSpend

Budget Flow — private budgeting that grows your money. Plant your habits. Grow your money tree. Budget Flow is a personal finance app built around a simple idea: every dollar should have a job, and no one but you should ever see where it goes. Track all of your accounts in one place. Sort each paycheck into Needs, Wants, and Savings buckets. Watch your goals fill in as the months go by. Get an at-a-glance picture of what's on track and what needs attention — without handing your financial life to a tech company. PRIVACY BY DESIGN — YOUR DATA IS YOURS ALONE Budget Flow is end-to-end encrypted. Your financial data is encrypted on your device with a key derived from a PIN you set. We use industry-standard algorithms (NaCl XSalsa20-Poly1305 + PBKDF2-HMAC-SHA512), and our server only ever sees ciphertext. Not Budget Flow staff, not our hosting provider, not anyone without your PIN can decrypt your numbers. We don't sell your data, share it, or run analytics on it. A NOTE ON THE PIN Because Budget Flow is truly end-to-end encrypted, your PIN is the only thing that can decrypt your data. If you forget it while you're still signed in, you can reset it with a code sent to your email and your data stays intact. But if you're locked out entirely, your data cannot be recovered — not by us, not by anyone. This is the cost of true privacy. Keep your PIN somewhere safe. FEATURES • Log an expense in one line — Type "coffee 12" and you're done. Budget Flow works out the amount, the date, and the right bucket, and learns how you categorize as you go. Dates work too: "gas 40 monday" or "vacation 800 june." Prefer to talk? Tap the microphone on your keyboard and say it instead. • Smart budget buckets — Create custom buckets like "Rent," "Groceries," "Vacation fund," or "Emergency savings." Allocate by percentage of income or fixed dollar amount. Link each bucket to the account it pulls from. • See the shape of your budget — Buckets render as a pie chart, biggest share first, each slice labelled with its percentage. Tap a slice to open that bucket. Prefer a list? Show either view, or both. • Multi-account tracking — Checking, savings, cash, as many as you like. Balances update as paychecks land and money moves between accounts. • Fixed expenses, handled — Add subscriptions, loans, and recurring bills with their pay frequency. They're applied to your buckets each month based on actual payment dates. • Multiple income streams — Track recurring paychecks (weekly, bi-weekly, semi-monthly, monthly, annual) and one-off variable income for freelance or side gigs. • Goals you'll actually hit — Set a target amount and a date, and Budget Flow projects whether your linked savings bucket will get you there, then tells you how much more you'd need each month if you're short. • Category coverage at a glance — The home screen shows overall progress for Needs, Wants, and Savings, and flags any account that's fallen short of what its buckets have accrued. Tap any category for an item-level breakdown. • Reminders that keep you honest — A daily, weekly, or monthly nudge to log what you spent, at whatever time you choose. Scheduled on your phone, so nothing about your spending leaves it. • Account transfers — Record transfers between your own accounts, and balances stay accurate without double-counting. • Your data on every device — Sign in on a new phone, enter your PIN, and your budget is there. Your PIN still never leaves your device. • CSV export — Download a full record of your accounts, transactions, transfers, income, and goals as a CSV any time. Your data is always portable. • Face ID unlock — Optional biometric access after your first PIN. • Hide-balances mode — One tap masks every dollar amount across the app. Great for using it in public. • Light, dark, or system — Comes in emerald green. Defaults to dark mode. Built for people who want to actually understand where their money is going without any hassles.

Tired of budgeting apps that charge you just to track your own money? SimpliSpend is completely free — no subscriptions, no popup ads, no paywalls, ever. Built for real life, SimpliSpend helps you take control of every paycheck. Enter what you made, set your spending limits, and always know exactly how much you have left. It's that simple. FEATURES: Paycheck Tracker — Enter your pay and set your budget in seconds Savings Goals — Save by percentage or fixed amount, automatically deducted every payday Spending Categories — Set limits for Food, Gas, Entertainment, Shopping, Subscriptions and more Gas Tracker — Log every fill-up and scan receipts with your camera Impulse Buy Cooldown — Get a reality check before spending big Payday Countdown — Always know how many days until your next check Subscription Tracker — Never get caught off guard by recurring charges Weekly Budget Challenges — Stay motivated with weekly spending goals Spending History — See where your money goes over time No account required. No login. Your data stays on your phone. Download SimpliSpend and start your first budget in under 2 minutes — completely free.