Flow vs The Finances

Record income, expenses, and transfers in one calm timeline. See accounts, assets, budgets, recurring payments, subscriptions, investments, and spending patterns in one clear view. Import or export your data when you need it, and make money tracking a simple daily habit. Flow Pro (optional) The free version includes unlimited transactions, 3 accounts, 1 budget, and 3 schedules. Upgrade to Flow Pro to unlock: · Investments and Subscriptions pages and their widgets (free for 7 days the first time you use them) · Unlimited accounts, budgets, and schedules · Automatic market data refresh · Apple Watch · More data export formats · Exclusive app icons Flow Pro is available as a monthly or yearly auto-renewing subscription, or as a one-time lifetime purchase. Payment is charged to your Apple Account. Subscriptions renew automatically unless turned off at least 24 hours before the end of the current period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Tired of reaching the end of the month without knowing where the money went? The Finances is the expense tracker that keeps your accounts, spending and income in one place. Free, no sign-up, no ads, no bank linking and no internet required. Log an expense in two taps and see where it went the moment you do. With Premium, by voice too. WHY THE FINANCES • Free, no sign-up, no ads: just open it and go. Login is only for Premium and sync • No bank linking: you log it, you own it. No bank passwords, no account aggregation • Works offline: your data stays on your device • AI voice entry (Premium): say "groceries, 120 dollars" and the app fills in the amount, category and date • Real credit card statements (Premium): closing day, due day, installments and a reminder before the bill is due FREE ESSENTIALS • Quick entries: expense, income or installments, with filters by period, category and status • Categories your way, with icons and colors • Multiple accounts: personal, household or business, each with its own entries • Category summary with total spent, received and pending • Your currency, out of 32 options: dollar, euro, real and more • Light or dark theme, in English and 8 more languages PREMIUM • AI voice entry • Recurring bills: rent, subscriptions and salary log themselves every week, month or year • Credit cards: statements, closing cycles, installments and due-date reminders • Monthly budget per category, with an alert before you go over • Cloud sync across your devices • Shared accounts: invite someone and log together, always in sync • Export to CSV or PDF for any period • Submit feature requests PRIVACY Your financial data stays on your device. It only goes to the cloud, securely, while Premium is active and sync is on. The app collects anonymous usage data (such as screens and features used) to improve the product, never financial data. To turn it off, go to Settings → Account. PREMIUM SUBSCRIPTION • The Finances Premium Monthly — renews automatically every month • The Finances Premium Yearly — renews automatically every year The price is shown in the app, in your region's currency, before you confirm. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period; the renewal is charged within the 24 hours before the period ends. You can manage or cancel the subscription at any time in Settings › Apple Account › Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ The Finances Terms of Use: https://www.thefinances.com.br/en/termos/ Privacy Policy: https://www.thefinances.com.br/en/privacidade/