Finloq vs Gravity

Finloq is a personal finance manager that helps you track accounts, income, expenses, transfers, budgets, savings goals, recurring payments, and financial insights in one clear place. Manage cash, bank, savings, wallet, credit card, loan, mortgage, and investment accounts, add entries quickly, organize them with categories, payees, notes, dates, recurring settings, and receipt attachments, then review your money through balances, calendar history, charts, backups, and optional Wi-Fi access from a computer browser. Finloq keeps your financial picture clear: - Net worth across assets and liabilities - Account balances for cash, banks, cards, loans, and investments - Income, expense, transfer, and cash-flow summaries - Calendar view with daily transaction markers - History with search, sorting, filtering, edit, delete, and undo - Statistics with charts, category breakdowns, payee breakdowns, and annual summaries - Budgets with progress tracking and alerts - Savings goals with progress tracking - Quick templates for repeated entries - Auto transfers for recurring account transfers such as EMI, SIP, or scheduled savings - Double-entry ledger support with DR/CR entries - Smart insights, financial health score, balance forecast, unusual spending detection, spending pace, and subscription detection - Receipt capture from camera or photo library with on-device text recognition - Backup and restore with `.flqbackup` files - CSV export - PC Manager over local Wi-Fi for viewing finances in a browser - Passcode protection - Custom app icons, theme, font size, and colors Key Features: # Home Dashboard: View net worth, period summaries, quick entry templates, 6-month trend charts, smart insights, financial health, balance forecast, and recent transactions. # Quick Entry: Add income, expenses, and transfers with amount, category, account, destination account, payee, notes, date/time, recurring options, receipt attachment, and balance warnings. # Accounts: Manage bank, savings, credit card, debit card, UPI/wallet, cash, investment, digital wallet, loan, and mortgage accounts with assets, liabilities, net worth, and transaction history. # History: Review transactions by grouped dates, search by payee, note, category, account, and details, sort newest or oldest, filter by type and currency, edit/delete entries, and undo deletes. # Calendar: View monthly income, expense, and transfer markers, select a date to filter entries, review daily activity, and add entries from a selected valid date. # Statistics: Compare income, expenses, transfers, and balance across daily, weekly, monthly, and yearly views with charts, category breakdowns, payee breakdowns, and annual summaries. # Budgets & Goals: Create weekly, monthly, or yearly budgets, track spending progress, set alerts, enable carry-over, and manage savings goals with target and saved amounts. # Smart Analytics: See insights based on your actual transaction data, including financial health, balance forecast, spending pace, subscriptions, and unusual spending alerts. # Backup, Restore & Export: Create full app backups, restore .flqbackup files, export CSV data, and keep backup files clearly named with date and time. # PC Manager: Start a local Wi-Fi server on your iPhone to view transactions, accounts, charts, and summaries from a browser on the same Wi-Fi network. # Privacy & Security: Finloq stores your financial data locally on your device. The app does not use third-party analytics, ads, tracking, IDFA, external cloud servers, or external account login. Camera/photo access is used only for receipts, local network only for PC Manager, and notifications only for reminders and budget alerts. *Disclaimer - Finloq is a personal finance tracking tool. It does not provide banking, lending, tax, investment, legal, or financial advice.

Know what's safe to spend — every single day. Gravity does the math you never do: your income, minus what you've spent, minus the bills that haven't hit yet — divided by the days left. One number, every morning. A progress bar shows today's burn. That's it. No spreadsheet, no guilt. CAPTURE IN SECONDS • Keypad-first quick add — amount, merchant, done • Merchant autocomplete that learns from you • Rules that auto-categorise ("swiggy" → Food, forever) • Import bank-statement CSVs — even messy ones with buried headers • Attach receipts to any expense • Log by voice with Siri, or straight from the widget EVERY RUPEE HAS A PLACE • Accounts — banks, credit cards (with limit meters), cash, wallets • Transfers between accounts that never pollute your spending • Net worth: what you own minus what you owe • Split any bill across categories — or mark a friend's share PEOPLE — the udhaar book your memory deserves "Rohit owes me ₹2,000." Track money lent and borrowed, settle up with one tap, see your net position. Split a dinner and the friend's share lands here automatically. BILLS & EMIs THAT MANAGE THEMSELVES • Auto-detects subscriptions and EMIs from your history • Add EMIs with an end date — "14 instalments left, ends Mar 2027" • Reminders before every due date, naming the account to keep funded • Price-hike alerts when a subscription quietly gets costlier • Flag-to-cancel and see exactly what you'd save UNDERSTAND YOUR MONEY • Monthly report: what moved vs last month, biggest expense, spending calendar • Category breakdowns, top merchants, trend charts • No-spend streaks on a heatmap — build the habit • A 5-pillar financial health score • Budgets that warn at 85%, goals with round-up auto-savings WIDGETS EVERYWHERE Home screen and lock screen — this week's spend, today's total, safe-per-day, and one-tap quick add. PRIVATE BY ARCHITECTURE No account. No cloud. No analytics. Your financial life lives in your phone's encrypted storage and nowhere else. Back up to a file you control; restore anywhere. Face ID lock built in. Trips & tags for travel budgets. Multi-currency with live rates. Light and pure-black dark themes. Made with obsession by BlackSpace AI. Your money, in orbit.