FiHaven vs Payday Flo

QUIET MONEY. CALM MONTH. FiHaven is a manual-first money app for people who want clarity without noise. Track bills, credit cards, and loans; plan your budget; log spending; and see what's due next—synced across iPhone, iPad, and Mac. You enter the numbers. FiHaven helps you stay on top of due dates, minimum payments, and what 0% promos really cost when they end — without turning your finances into a second job. • See upcoming payments at a glance on a customizable Dashboard • Add recurring bills, card balances, loan minimums, and 0% promo end dates • Mark items paid, track partial payments, or skip a month when life happens • Plan income by pay period, set savings goals, and optional budget lenses (50/30/20, safe-to-spend, debt focus, and more) • Log spending by category and watch what's left in the month • Get alerts for promo cliffs, high card utilization, and subscription trials ending soon • Optional on-device bill reminders and email digests • A real native Mac app — sidebar, month-view calendar, and the whole app driven from the keyboard • Sign in with email, Apple, or Google — your data stays in sync on every device FREE INCLUDES Unlimited bills, cards, and loans · Dashboard & widgets · Budget & income planning · Spending log · Savings goals · Net worth view · Export your data · Delete your account anytime FIHAVEN PRO Upgrade when you want the full toolkit: • Payoff Planner — snowball and avalanche strategies with a debt-free date • Calendar — every due date in one view, plus a private iCal feed • Payment History — searchable record of what you've paid • Rewards Optimizer — pick the best card for each purchase category • Subscription Finder — surfaces recurring charges, duplicates, price hikes, and trials • Category budgets & spending insights — track categories against limits • Envelope budgeting — assign income to goals and categories • Optional bank linking — connect accounts through Plaid when you want read-only sync • Autopay auto-mark — mark autopay bills paid on due dates • Household sharing — share selected bills, cards, and goals with family Pro is an optional auto-renewing subscription. Manage or cancel anytime in your Apple ID subscription settings. Free tier features remain free. YOUR DATA, YOUR CONTROL FiHaven does not sell your data or show ads. Export everything as JSON or CSV. Enable two-factor authentication, passkeys, or biometrics for extra account security. Bank linking is optional — the app works fully with manual entry. FiHaven is source-available — read the code yourself at github.com/greigh/FiHaven. IMPORTANT FiHaven is a personal organization tool. It does not move money, connect to lenders, or provide financial, tax, or investment advice. Calculations and payoff projections are estimates for planning only. You are responsible for your payments and financial decisions. Questions or feedback: support@fihaven.app Terms of Use (EULA): https://fihaven.app/terms · Privacy Policy: https://fihaven.app/privacy Learn more: https://github.com/greigh/FiHaven

Payday Flo is built for people who get paid every two weeks and budget one paycheck at a time — not people with a steady monthly salary and a spreadsheet. Tell it what you earn and what you owe. Every payday, Flo shows you exactly which bills this check has to cover, what's already handled, and what's genuinely free to spend. PLAN EVERY PAYCHECK • See what each check must cover before the next one lands • Bills bucket sizes itself automatically from your real bills • Add a buffer for variable bills like utilities • Split the rest across spending, savings and debt KNOW WHAT'S COVERED • A running reserve that carries leftover money forward • Cash you already have counts toward your bills • Forecast the next several paydays and spot a shortfall early • Clear warning when bills outrun your income BILLS THAT KEEP THEMSELVES STRAIGHT • Weekly, monthly and yearly recurring bills roll forward on their own • Mark bills as auto-pay and confirm when they post • Choose which account or credit card each bill is paid from • Reminders before anything is due DEBT AND CREDIT • Avalanche or snowball payoff plans with a debt-free date • See how much interest an extra payment saves • Set a credit limit and get warned before a charge goes over it • Advance heads-up to make a payment before you hit the limit SAVINGS AND SPENDING • Savings goals with a realistic finish date • Buckets by percentage of pay, or a fixed dollar amount per month • Track spending against what this pay period actually allows • Accounts and net worth in one place PRIVATE BY DEFAULT • Your budget lives on your device • Optional Face ID lock • Syncs across your devices through your own iCloud account • No ads, and we never sell your data SUBSCRIPTION Payday Flo Core and Payday Flo Plus are available monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://neonpathlabs.com/privacy Terms: https://neonpathlabs.com/paydayflo/terms