SiBalance vs Outflow

Manual budgeting. Redesigned. Take control of your money with a private budget planner built for iPhone and iPad. Free to get started. Unlock SiBalance Full once. No subscription. Plan clearly. Spend calmly. In private. SiBalance gives you a simple, intentional way to understand your money without connecting your bank accounts. Start with one complete budget for free, including the essentials you need for everyday budgeting. If you want more, SiBalance Full unlocks the complete feature set with a single lifetime purchase. No subscriptions. No advertising. No tracking. Built for people who want control, not bank connections. SiBalance helps you understand what is safe to spend or save without losing sight of upcoming bills, recurring expenses or future plans. Instead of relying on bank integrations or complicated budgeting methods, SiBalance gives you a clear picture of your finances through intentional manual budgeting. Stay in control, make informed decisions and spend with confidence based on your real financial situation. Whether you're moving on from spreadsheets, replacing paper budgets or simply looking for a more thoughtful way to manage your money, SiBalance brings manual budgeting into the modern age by choice, not compromise. SIBALANCE FREE Get started with one complete budget and the essentials for everyday budgeting. • One complete budget
• Income and expense tracking
• Manual and recurring transactions
• Categories
• Safe to Spend calculations
• Upcoming payments and quick views
• Complete transaction history
• Transaction and category search
• Support for 159 currencies
• No account required
• No bank connection
• No advertising
• No tracking SIBALANCE FULL Unlock the complete SiBalance experience with one lifetime purchase. • Unlimited budgets
• Goals
• Forecasting
• Insights and trends
• Home Screen and Lock Screen widgets
• Themes and customisation
• Import transactions from screenshots
• CSV Import and Export
• iCloud Sync
• Encrypted backups
• Apple Pay additions via Shortcuts
• Siri and App Intents support
• iPhone and iPad support One-time unlock. No subscription. Lifetime access. APPLE PAY + SHORTCUTS Manual budgeting without having to type everything manually. With Apple Shortcuts, eligible Apple Pay purchases can be added automatically to SiBalance. Purchase details such as the amount, merchant and date can be passed into SiBalance while you remain in control of the budget and category. Apple Pay additions via Shortcuts are included with SiBalance Full. No bank connection required. PRIVACY FIRST Your financial data stays yours. • No account required
• No bank connections
• No tracking
• No advertising
• No third-party analytics
• Financial data stored privately
• Optional iCloud Sync with SiBalance Full
• Optional encrypted backups with SiBalance Full DESIGNED FOR REAL LIFE Whether you're managing monthly bills, tracking everyday spending or planning for the future, SiBalance helps you make confident financial decisions every day in a simple, private budgeting experience. FREE TO GET STARTED. Use one complete budget for free. When you're ready for more, unlock SiBalance Full once and keep it. No subscription. No recurring charge.

Outflow gives you complete clarity over your recurring spending — without surrendering your bank login, your data, or yet another monthly fee. NEW IN 5.1 — ON YOUR WRIST With Pro, Outflow comes to Apple Watch: this month's total, what's going out next and what's coming in, at a glance. NEW IN 5.0 — BUILT FOR iOS 27 Outflow can now find forgotten subscriptions in the transactions already stored on your iPhone, using Apple's FinanceKit. You choose which accounts it may look at, nothing leaves your device, and you are never asked for a bank login. It is opt-in — turn it on in Settings. Availability depends on your region and iPhone. 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. • On iPhone, iPad, Mac and Apple Watch — a calm, big-screen layout with a sidebar • Skip a payment (free week, paused delivery) and your totals adjust • Track any billing cycle: weekly, monthly, quarterly, every 6 months, yearly • Cancelled subscriptions stay in your list with their history intact • Price-rise history shows when a service hiked its price • Export everything to CSV — your data is yours • Beautiful native design, light and dark