Dot vs Flowjar

Dot is your financial assistant for recording expenses and income in a simple conversation. Track your wallet and reserve, set a monthly spending limit, organize categories, and view reports in one place. Use chat to ask questions, receive guidance, and follow your decisions. Scan products to create a Wishlist and check prices when you want to find a good offer. Turn on notifications for important updates. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Know what's safe to spend today. Flowjar turns your paycheck, bills and savings into one clear number — and shows where your balance is headed before payday. Budget planner, bill tracker and cash-flow forecast with savings jars, in one calm app. TODAY: SAFE TO SPEND • A clear "Safe to spend today" figure on your Today screen • 30-day forecast chart showing your lowest balance before next payday • Next payday, upcoming bills and recent activity on one screen • Two tabs, Today and Activity. Jars and Bills open from Today, or add them as tabs in Settings LOG IT IN SECONDS • Quick add: type "coffee 4.50" and it's logged with a guessed category you can change. Income too: "salary 2000" • Scan a receipt with the camera or a photo. The total, shop name, date and category are read on your iPhone with Apple's Vision text recognition; the photo isn't saved or uploaded. Always check the amount before adding • Category keypad, notes and dates when you want more detail • Search your entries and the app's features, with suggestions and recent searches • Monthly income, expenses and net in Activity JARS FOR EVERY PAYCHECK • Split each paycheck into jars like Bills, Spending, Savings and Goals • Start with a recommended split, then tweak it to fit your life • Watch every jar grow toward its target BILLS & SUBSCRIPTIONS • Rent, utilities, phone, streaming and more in one list, with due-date reminders • Mark a bill as paid in one tap, with undo if you tapped too soon • See exactly what's due before your next payday ALL OVER YOUR IPHONE • Home Screen and Lock Screen widgets • Live Activity with Dynamic Island showing what's safe to spend. Turn it on in Settings; iOS ends it after about 8 hours • Control Center controls and the Action button (iOS 18 and later) • Siri and Shortcuts: Log expense, Safe to spend, Quick add, Scan a receipt • Back Tap: an in-app guide shows how to double-tap the back of your iPhone to open Quick add, via Shortcuts and Accessibility settings MONEY TOOLS • 9 calculators: Loan & EMI, Mortgage, Car loan, Business loan & merchant cash advance, Debt payoff, Savings goal, Compound interest, Budget split, Split a bill • Budget methods explained: 50/30/20, Pay yourself first, Envelopes (jars), Bills before payday READY IN 2 MINUTES A guided setup covers your goal, income and pay schedule, fixed bills, starting balance and jar split. Answer a few questions and your plan is ready. PRIVATE BY DESIGN • No account needed, no bank linking • Your money data stays on your iPhone • Lock Flowjar with Face ID or your passcode • Anonymous usage and crash analytics help us improve the app — amounts, notes and names are never sent FITS THE WAY YOU LIVE • Any currency, including zero-decimal currencies like VND and IDR • Light and dark mode • Export your activity to CSV (Pro) FLOWJAR PRO Flowjar is free to download and use. Upgrade to Pro for: • 90-day forecast (free: 30 days) • Unlimited jars (free: 4) • Unlimited bills (free: 5) • CSV export Plans: Lifetime $49.99 as a one-time purchase (best value, pay once), Monthly $3.99, or Yearly $24.99 with a 3-day free trial. Prices shown in USD; prices in other countries may vary. SUBSCRIPTION TERMS Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the period ends. Manage or cancel your subscription in your Account Settings after purchase. Any unused portion of a free trial is forfeited when you purchase a subscription. Terms of Use (EULA): https://flowjar.web.app/terms Privacy Policy: https://flowjar.web.app/privacy Flowjar is a personal planning tool. It is not a bank or lender and does not provide financial advice.