Sinkstack vs Outflow

Sinkstack turns irregular bills into a plan for every paycheck. Create a sinking fund for each bill you only see a few times a year, such as car insurance, holidays, renewals and repairs, and Sinkstack shows what to set aside from each upcoming paycheck so each one is covered by its due date. NEW IN 4.0: PAYCHECK PLAN Choose how often you are paid and one payday. Each of your next 4, 6 or 12 paychecks then lists what to set aside for every fund: • Funds with a due date spread what they still need evenly across the paydays before that date, exact to the cent. • Recurring bills start their next cycle automatically after each due date. • Funds without a due date use the contribution you planned. • Bills that land before your next payday are flagged with the amount still needed. • Enter your take-home pay (optional) to see what is left after the set-asides. • Book the next paycheck's set-asides as deposits in one step, or export the plan as CSV. ALSO NEW • Backup & Restore: one file with every fund, ledger entry, pay schedule and Payday Bridge plan. Restore checks the whole file first and saves a copy of your current data before replacing anything. • Widgets: a Next Payday countdown (you set the schedule in the widget; it never shows balances) and Quick Actions for the allocator, Paycheck Plan and Payday Bridge. • Control Center control and Siri / Shortcuts actions to open the allocator, Paycheck Plan or Payday Bridge. • A redesigned tab layout: Funds, Paychecks, Calendar, Insights and Settings. EVERYTHING ELSE YOU ALREADY HAVE • Unlimited sinking funds with goals, due dates, weekly to annual contributions, revolving funds and recurring bills that reset after each due date. • Paycheck allocator: split new money across your funds proportionally, by priority or evenly, booked as dated deposits. • Payday Bridge: put income and payments on real dates to find the lowest balance before payday and test a late payday. • Funding Calendar: 12 months of set-asides and bill dates, with busy months marked. • Insights, catch-up options for funds that fell behind, a what-if solver, PDF statements and CSV export. • 60+ templates for common irregular expenses. PRIVATE BY DESIGN No account, no bank login, no ads, no tracking. Your data stays on your device. Amounts use exact decimal math. One purchase. No subscription. Sinkstack is a planning tool. It does the arithmetic on the numbers you enter; it does not move money, connect to a bank or give financial advice. iPhone and iPad.

Outflow gives you complete clarity over your recurring spending — without surrendering your bank login, your data, or yet another monthly fee. NEW IN 6.0 • Made for iPhone Duo: edge to edge on both displays, folded or open. • iPad and Mac: list and detail side by side, two-column Overview and Trends, a menu bar with shortcuts, drag a statement in to scan it. • Now in German, with a new layered Liquid Glass icon. • Edit any past price; Trends counts each month at what you really paid. • FIRE goal (beta): see when your income could cover your minimum lifestyle. FIND WHAT YOU'VE FORGOTTEN A guided audit walks through every place subscriptions hide — Apple, PayPal, your statements, receipt emails — and on iPhone can find repeating payments in transactions already on your phone, using Apple's FinanceKit. You choose the accounts; nothing leaves your device; no bank login, ever. ON YOUR WRIST With Pro, Outflow comes to Apple Watch: this month's total and what's next, at a glance. SHARE WITH YOUR HOUSEHOLD Share chosen subscriptions with a partner over iCloud and split what each of you pays, so a joint bill counts towards your total by your share only — instead of being recorded twice in two apps and inflating both. Everything you don't share stays private to you. TRACK WHAT COMES IN A spending total is only half the picture. Track a salary, freelance work, rent or a pension alongside what you pay out, and see your real net position. No bank login needed: recurring income is predictable, so you enter it once. KNOW EXACTLY WHAT YOU PAY See your true monthly and yearly outflow at a glance, with a clean breakdown of where the money goes by category. NEVER MISS A RENEWAL Get a reminder before every renewal — same day, a day before, or up to a week ahead. No more surprise charges or forgotten free trials. CANCEL WITHOUT THE RUNAROUND Deciding to cancel is the easy part — finding where is not. Open any subscription, tap Cancel, and Outflow tells you what you'd save over a year, then takes you straight to the right page for that service. If it's billed by Apple, it says so, because deleting an app never stops those payments. Outflow then keeps a running total of what cancelling has saved you, growing every month (Pro). EFFORTLESS ENTRY, NO BANK LINKING Other trackers want your bank credentials. Outflow doesn't. Paste a receipt — or pick a screenshot or PDF of one — and on-device intelligence fills in the name, price and billing cycle for you. Or pick from a catalog of popular services and add one in seconds. PRIVATE BY DESIGN Everything stays on your iPhone. No account, no server, no analytics, no tracking. The App Store privacy label says "Data Not Collected" because there is genuinely nothing collected. SIRI & SHORTCUTS Ask Siri what's renewing soon or what your monthly total is, and add subscriptions by voice. ONE PURCHASE, YOUR WHOLE FAMILY Outflow Pro is a single one-time purchase, and it covers up to six family members through Family Sharing — each with their own private list on their own device. No family plan, no second subscription, no per-seat fee. FIND WHAT YOU'VE FORGOTTEN Nearly nine in ten people underestimate what they spend on subscriptions, and two in five have forgotten one entirely while still being charged. Outflow walks you through the four places they hide — your Apple Subscriptions, a bank statement, your receipt emails, and a list of the services people most often forget — and ends with the honest number: what you actually pay a year. No bank login, and nothing leaves your iPhone. PAY ONCE. OWN IT FOREVER. Outflow is free for up to 5 subscriptions, with reminders, totals and Siri included. Outflow Pro — unlimited subscriptions, Smart Paste, category insights, price-rise history and CSV export — is a single one-time purchase. A subscription tracker should never be a subscription.