FreedomPilot vs Scary Budget

Your bank shows what you have. FreedomPilot shows what you can safely spend. FreedomPilot brings your cash, bills, credit cards, subscriptions, spending, investments, debt, and financial goals together—then helps turn that information into a clearer plan for what comes next. KNOW WHAT YOU CAN SAFELY SPEND A bank balance doesn’t tell the whole story. FreedomPilot’s Safe-to-Spend helps you understand what’s actually available after considering upcoming bills, credit card payments, subscriptions, and other obligations. BUILD YOUR FREEDOM PLAN Turn your financial goals into a step-by-step roadmap. See what to focus on now, what comes next, and how your progress can move you closer to financial freedom. SEE WHERE YOUR MONEY GOES Understand transactions, daily spending trends, and merchant activity so you can see where your money is going and make more informed decisions. TRACK YOUR COMPLETE FINANCIAL PICTURE Monitor cash, investments, liabilities, and net worth together. See more than individual account balances—understand the bigger picture. ASK FREEDOMPILOT Get personalized AI-powered guidance based on your FreedomPilot financial data. Ask about cash flow, upcoming bills, subscriptions, debt payoff, spending, retirement planning, and more. STAY AHEAD Morning Briefs, upcoming bill reminders, and financial insights help bring important information to you when it matters—not just when you remember to open the app. USE FREEDOMPILOT YOUR WAY Start in Manual Mode and manage your finances yourself, or use Connected Mode to securely connect supported financial accounts for automatic updates and deeper insights. BUILT FOR THE ROAD AHEAD Whether you’re trying to get control of spending, pay down debt, build savings, understand your net worth, or work toward greater financial freedom, FreedomPilot gives you one place to see where you stand and what comes next. YOUR MONEY. YOUR PLAN. YOUR FUTURE. Financial freedom doesn’t happen overnight. It starts with understanding where you are, deciding where you want to go, and having the right tools to help you get there. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Money gets hard to manage when the balance in your account and the life on your calendar stop feeling connected. Scary Budget connects them. It turns the money you have, the money coming in, and the commitments ahead of you into a working cash-flow model for your personal life. What can my money support? That is the question Scary Budget is built around. Add income, bills, subscriptions, transfers, card payments, payment plans, and one-time expenses. Scary Budget turns them into a daily checking forecast, then helps reconcile that forecast against posted activity. One month becomes a reusable model for the weeks ahead. You can inspect each source, correct it, and see how changes flow through the forecast, credit views, and insights. This is the kind of thinking people use to run something with care. Know what is committed. Know what is flexible. Know where the pressure points are before the decision arrives. WHAT SCARY BUDGET MODELS • Checking balance by day See when money comes in, when money leaves, and where the tight days land. • A plan with real timing Model recurring bills, paychecks, transfers, subscriptions, credit card payments, payment plans, one-time expenses, variable amounts, and end dates. • Reconciliation against reality Compare posted bank activity with what you expected. Confirm matches, correct dates or amounts, archive what happened, and keep the forecast current. • Judgment that stays with you Bank data is evidence. Your judgment remains the source of truth. Review the plan, correct the source, and keep the model yours. • Context for unclear charges Optional connected-inbox search can help find the receipt, item, order, service, subscription, or installment behind a confusing bank description. • Credit decisions connected to cash Track card balances, limits, utilization, APR, minimum payments, and payoff strategies alongside the checking forecast those payments affect. • Insights from the same model Explore spending by category, merchant, and month. BUILT FOR REAL FINANCIAL LIFE Scary Budget supports the questions that come up when timing matters. What can I support before payday? What is my lowest balance this month? Can I move this bill? Can I make an extra card payment? What changed since I made the plan? What was that charge? Your spending choices stay yours. Discretionary spending can stay discretionary. Net worth stays optional. Bank connection stays optional. FREE MANUAL MODE Scary Budget works without a bank connection. Manual planning, CSV import, forecasting, reconciliation, credit tools, insights, and export are free to use. OPTIONAL SCARY BUDGET+ Scary Budget+ adds live bank sync and connected-inbox search through a paid subscription. Bank sync reduces repetitive work. It does not replace the plan, and it is not required to understand your money. PRIVATE BY DESIGN Your saved financial plan is encrypted on your device before it is stored. Scary Budget does not sell your personal or financial information and does not show ads. Bank connections are read-only. Connected-inbox search is optional. SUBSCRIPTION DETAILS Scary Budget+ is available as a monthly or annual auto renewing subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage them in your App Store account settings. Privacy Policy: scarybudget.com/privacy Terms of Service: scarybudget.com/terms How Scary Budget protects your data: scarybudget.com/security Learn more at scarybudget.com