Finlynq vs Skeer

Finlynq is a personal finance app that brings everything together: bank accounts, credit cards, spending, budgets, investments, loans, goals, and net worth. Track it here, analyze it anywhere with AI. Track your money here, analyze it anywhere. WHAT YOU CAN DO • Accounts & net worth: See every account (assets and liabilities) and your real-time net worth, across multiple currencies. • Transactions: Record income and expenses, categorize spending, and review recent activity at a glance. • Budgets: Set monthly budgets per category and track progress as you spend. • Investments: Follow your portfolio with holdings, cost basis, gains, and dividends, with live prices for stocks, crypto, and precious metals. • Goals: Set savings and debt-payoff goals and watch your progress. • Loans: Track mortgages, student loans, and other debt with amortization detail. • Multi-currency: Accurate conversion with historical exchange rates so your totals are always right. • Import: Bring in transactions from CSV, Excel, OFX, or PDF statements. BUILT FOR AI Finlynq ships a built-in MCP server, so you can connect AI assistants and ask natural questions about your money: "How much did I spend on groceries last month?", "What's my savings rate?", "Show my portfolio's realized gains this year." Your assistant works with your real data, securely. PRIVATE BY DESIGN • Your financial data is encrypted in transit and at rest. • No ads. No third-party trackers. We don't sell your data. • Open source (AGPL v3): inspect the code or run it yourself. • Donation-funded, not data-funded. HOSTED OR SELF-HOSTED Use the hosted version at finlynq.com, or run your own server with Docker and PostgreSQL and point the app at it. The server URL is configurable in Settings. A Finlynq account is required to use the app. You can delete your account and all associated data at any time from within the app.

Skeer is the calm, no-drama way to budget every euro you earn, inspired by the envelope method, built for how you actually spend money. Stop wondering where your money went. Give every euro a job the moment it hits your account, watch your categories fill up, and know exactly what's safe to spend before you tap your card. WHY PEOPLE SWITCH TO SKEER - Zero-based budgeting - assign 100% of your income to categories, so nothing is ever "unaccounted for." - Unspent money carries over - leftover budget rolls into next month automatically, and past months lock so you can't accidentally mess up your history. - Multiple accounts - checking, savings, and credit cards, with transfers and split transactions handled automatically. - Payees - save who you pay once, then pick them from a list next time. - Recurring transactions - bills and income repeat on schedule so your budget stays accurate without manual entry. - Debt payoff tracking - link a debt to a category, watch the balance drop with every payment, and it disappears from your budget the moment it's paid off. - "Think It Over" list - feel the urge to buy something? Park it here for 24 hours before you decide. Impulse spending, tamed. - Category targets - set a monthly or savings goal per category and get a one-tap "assign the rest" shortcut when you're close. - Bank statement (PDF) import - drop in a PDF and Skeer pulls out the transactions, with duplicate detection so you never import the same purchase twice. - Home Screen widget - add or check spending straight from your Home Screen, no need to open the app. - Face ID / Touch ID lock - your budget, protected. - Built-in support chat - questions get answered right inside the app, no AI chatbot. SKEER PRO Skeer is free for day-to-day budgeting. Upgrade to Skeer Pro for: - Real-time cloud sync between your iPhone and the free Skeer web app - edit on the go, review on your laptop. - Automatic encrypted backup, so switching phones is never scary. - Unlimited PDF bank statement import. - Track your debt. YOUR DATA, YOUR CALL No ads. No selling your data. Delete your account and everything with it, permanently, any time from Settings. Whether you're paying off debt, saving for something specific, or just tired of guessing what's left in your bank account, Skeer gives you the structure to plan your money with confidence - and the flexibility to fix it when life doesn't go as planned. Download Skeer and give every euro a job today. Terms of Use (EULA): https://skeerapp.com/terms/ Privacy Policy: https://skeerapp.com/privacy/