Finlynq vs FireFlow for Firefly III

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.

FireFlow is a native iPhone, iPad and Apple Watch client for Firefly III — the personal finance software you run on your own server. There is no account to create and no service in the middle. FireFlow talks to one computer: the one whose address you type in. If your instance lives on your home network, your finances never leave your house. RECORD IT WHEN IT HAPPENS Cash purchases happen where there's no signal — a market stall, a car park, a basement till. FireFlow takes the transaction anyway, marks it as waiting, and sends it the moment your server is reachable again. Nothing is lost and nothing is sent twice. Home tells you when you're offline and what's waiting to sync, and anything your server refuses appears with the reason and a choice of retrying or discarding it. Add a transaction however is closest to hand: • Ask Siri — "Add an expense at Soriana in FireFlow" • A three-tap quick add on Apple Watch • The + on your Home Screen widget, Control Center or the Action Button SEE WHERE YOU STAND • Net worth across all your accounts, per currency — never blended, because two currencies have no honest sum • Assets and liabilities, grouped, with the accounts you've excluded from net worth kept out of it • Twelve periods of history: net worth over time, money in against money out, and where it actually went • Budgets and bills, piggy banks you can add money to from the card, and spending paced against the same days last month • Home Screen, Lock Screen and Apple Watch widgets and complications showing the figure you choose ON IPAD A sidebar in landscape, the transaction list and the one you pick side by side, keyboard shortcuts, right-click menus, and receipts you drag in from Photos, Files or Mail. BILLS AND RECEIPTS • A reminder before each bill is due — on the day, the day before or three days ahead. Tap Record payment and the expense opens already filled in and linked to the bill • Turn any payment into a recurring bill, or change, pause and delete bills from the app • Scan a ticket, pick a photo or attach a file. On a new expense FireFlow reads the total, date and shop on your phone — nothing is sent anywhere but your server EVERY TRANSACTION, AT ANY DISTANCE Search covers every date, not just the period you're looking at. Filter by account, type or currency, with each day's net change per account. Scroll back through years. Create, edit, clone and delete, including split transactions — and a transfer between your own accounts is shown from the account you're standing in, so moving money never reads as income. BUILT FOR ONE SERVER: YOURS • Multiple instances, switch between them freely • Behind Cloudflare Access, Authelia or a similar gateway? Add the headers it needs, per server • Amounts in your own number format, or typed in cents • Your token lives in the iOS Keychain • Optional Face ID or Touch ID lock, with a delay you choose • Hide balances with one tap — and it hides them everywhere, including the charts, widgets and what VoiceOver reads aloud • Full VoiceOver support: transactions read as sentences, charts can be played as audio graphs • Dynamic Type all the way to the largest accessibility sizes • Light and dark, fifteen accent colours PRIVACY, PLAINLY No analytics. No tracking. No third-party code of any kind. Nothing is collected about you, because there is nowhere for it to go — there is no backend. Deleting the app, or "Delete all local data" in Settings, removes every trace from the device and touches nothing on your server. WHAT YOU NEED A Firefly III instance you can reach, and a Personal Access Token from it. If you don't have one yet, tap "Try the demo" on the first screen to see the whole app running on sample data with no network calls at all. HELP SHAPE IT Join the beta or send an idea from Settings → About. FireFlow is built by one person who reads every message. FireFlow is an independent app and is not affiliated with the Firefly III project.