Flow vs Daybook

Flow is a personal finance app that respects your privacy. Your money data stays on your device. No accounts, no ads, no analytics, no tracking SDKs. WHY FLOW Most finance apps are a privacy black box — they read your transactions, sell your spending patterns, and lock features behind subscriptions. Flow doesn't. Everything works offline. The app costs nothing. WHAT'S INSIDE - Smart Add: type "12 coffee" and Flow predicts the category from a 4-layer model — note keyword, your merchant memory, the time of day, and a fallback. Median add is 3 taps. - Recurring bills: track rent, subscriptions, salary. The Plan tab shows what's coming, what's paid, and what's left in your monthly Disposable. - Budgets per category: a soft warning at 80%, a stop sign at 100%. Rollover supported. - Net worth chart: 24 months of history, four time windows, drill into any account. - Insights: month-over-month deltas per category, income vs. spending by month, spike alerts when a category is 2σ above your rolling mean. - Multi-currency: hold accounts in different currencies, see totals converted to your display currency. FX rates refresh daily from a public provider — opt-in. - 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu. - Demo profile bundled — explore the full app with two years of realistic sample data before adding a single real transaction. PRIVACY Your data is stored only on your device (SQLite + MMKV). No backend. No login. No advertising network. No telemetry by default. Optional: FX rates fetched once per day from a public exchange-rate service; you can switch this off. EXPORT Export your full history as JSON or CSV at any time. Restore from a prior JSON export to a fresh install. Monthly and yearly PDF reports. OPEN ROADMAP Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+. — Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/ Terms: https://aqsaqal.github.io/moneyapp/flow/terms/ Support: ak.saken@gmail.com

Track spending on your iPhone. Keep the ledger private. Daybook is a simple expense and income tracker. Records stay on your device. Optional backups go only to your iCloud Drive — we do not run a server for your money. Add a transaction in a few taps, then filter, export, or back up when you need to. WHAT YOU CAN DO • Log amount, category, source, date, and a note. Edit or delete any entry later. • See credit, debit, and balance for the dates on screen, including a two-column layout for expenses and income. • Start from defaults like Food, Transport, and Salary, or add your own categories and sources, each with an emoji. • Filter by date, category, or payment method. Optionally keep filters between launches. • Export a PDF report or a CSV file. Import a Daybook CSV, including the older export format. • Turn on iCloud Backup in Settings to save a copy in your own iCloud Drive. Restore replaces the local ledger from that file. PRIVACY Transactions, categories, and sources are stored on your device. There is no Daybook account for your ledger. No ads, no tracking pixels, and no sale of financial data. Questions: mangoishapp@gmail.com