ExpenseFlow vs ExpenseFlow Budget Tracker

Take control of your finances with SpendFlow — a modern personal finance app designed to help you track expenses, manage budgets, split bills, and organize your money with ease. Whether you're monitoring daily spending, planning monthly budgets, or managing shared expenses with friends and family, SpendFlow provides a fast, simple, and secure offline-first experience. Built with a clean and intuitive interface, managing your finances takes only a few seconds each day. KEY FEATURES • Track Expenses, Income & Transfers Quickly record daily expenses, income, and account transfers while keeping your financial records organized and easy to access. • Smart Budget Management Create custom budgets for categories and monitor your spending progress in real time to stay within your financial goals. • Easy Bill & Expense Splitting Create groups, add members, and automatically calculate shared expenses for trips, roommates, dining, and more. • Financial Insights & Charts Understand your spending habits with simple visual reports, category breakdowns, and spending analytics. • Export PDF Reports Generate professional PDF reports of your transactions anytime for accounting, business, or personal use. • Custom Categories Personalize the app with your own expense and income categories that fit your lifestyle. • Recurring Transactions Automate recurring bills, subscriptions, salaries, and regular payments so you never miss important transactions. • Privacy & Security Protect your financial data with Face ID, Touch ID, or PIN lock authentication. • Offline-First Experience Your data stays securely stored on your device with local backup and restore support whenever needed. WHY USERS LOVE SPENDFLOW • Simple and modern interface • Fast offline performance • Smart budget planning • Easy expense splitting • Secure local data storage • Detailed transaction history • Clean financial insights Build smarter financial habits and stay in control of your money with SpendFlow.

Track every expense without handing over a bank login. No bank connection, no sign-up, and nothing leaves your device unless you choose it. ExpenseFlow is a private expense tracker and budget planner that also remembers what you owe, what you lent out, and what you split with friends. WHAT YOU CAN DO - Log expenses and income in seconds, across 60+ currencies - Set category budgets and roll unspent money into the next month - Automate recurring expenses and income so rent, salary and subscriptions post themselves - Track debts you owe, with interest, due dates, payment history and payoff reminders - Track money you lent out, with borrower, expected return date, partial returns and overdue alerts - Split group expenses equally, by amount or by percentage, settlement math included - Put money aside for savings goals and watch contributions add up - Scan a receipt instead of typing it in - Read daily, weekly, monthly, yearly and custom-range reports with charts - Add the home screen widget to log an expense without opening the app - Ask the built-in AI assistant where your money went and what to change BUILT FOR REAL MONEY, NOT JUST SPENDING Plenty of apps log what you spent. Few remember the cash you lent a friend in March, the card balance you are slowly paying down, and your share of the trip four of you split. ExpenseFlow keeps all of it against one running balance, so the number you see is the money you actually have. WHY NO BANK LOGIN Your finances stay on your device, in Apple's encrypted local database. Nothing is pulled from your bank, because ExpenseFlow never asks for it. Cloud sync is yours to switch on, or leave off. The AI assistant is the one feature that uses the network, and it is entirely optional. When you ask it something, only your question and a short summary of the figures behind it go to Google's Gemini model to write the answer. WHO IT IS FOR - People who track by hand because they do not want an app inside their bank - Anyone lending or borrowing money between friends and family - Roommates, couples and travel groups who split costs and settle up later - Freelancers who need expenses out as CSV or PDF at tax time - Anyone who tried a budgeting app before and quit because it was too much DESIGNED TO BE READABLE Simple Mode strips the interface down to the essentials. Large Text Mode enlarges type and touch targets. Both are built in. SPEAKS YOUR LANGUAGE Fully translated into English, Spanish, French, German, Italian, Portuguese, Russian, Arabic, Bengali, Japanese, Korean and Simplified Chinese, with right-to-left support. FREE AND PREMIUM Free includes expenses and income, your dashboard and running balance, category budgets, the reports tab, recurring entries, and full control of theme, language and currency. Premium unlocks receipt scanning, debt and lending tracking, savings goals and goal automation, group events and splitting, custom categories, budget templates and rollover automation, the AI assistant, detailed report charts, PDF and CSV export, cloud backup and sync, and the home screen widget. PREMIUM PRICING Monthly and yearly are auto-renewing subscriptions: 4.99 USD per month or 34.99 USD per year. Lifetime is a single 59.99 USD purchase that never renews. Prices are in US dollars and vary by region. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless auto-renew is switched off at least 24 hours before the current period ends, and renewal is charged within 24 hours of that. Manage or cancel in your Apple Account settings. You can delete your account and all of your cloud data from Settings at any time. Terms of Use: https://siam300.github.io/ExpenseFlow-Budget-Tracker-Legal/expenseflow-terms-of-service.html Privacy Policy: https://siam300.github.io/ExpenseFlow-Budget-Tracker-Legal/expenseflow-privacy-policy.html Start tracking today. Your first expense takes about ten seconds.