Cashflows vs Fen

* Follow @MyCashflowApp on Twitter! Cashflows helps you forecast future balances of your bank accounts. It's simple to set up and requires minimal effort to maintain. Tell it about your recurring transactions (including transfers between accounts) and future one-time transactions, and let it estimate your account balances months (or years) into the future. It's not interested in the past, so there's no need to enter or maintain your transaction history. It shows your account transactions and balances over time and lets you override individual payment dates and amounts. Quickly toggle payments on and off to see how they impact your future balances. The graph updates immediately with any changes you make. Update the starting balance occasionally, and it'll show you which transactions are still due. If any have already occurred (or are late) just tap to toggle them on or off. FEATURES: - Multiple accounts: Add multiple accounts and set up recurring or manual transfers between them. - Recurring transactions: Supports recurring transactions with start date, end date (optional) and many recurrence options. - Warning balance: Set a warning balance for an account and see at a glance when your balance is below it. - Interactive forecast graph: Shows your future balance over time, highlighting warning balance and negative regions; tap the graph for a closer look at the nearby transactions. - Reports: Create PDF or XML reports and send them by email or to your Dropbox account. - iCloud Sync with Cashflows for Mac. - Generate reports in PDF, CSV or XML - Backup and restore your data to Dropbox or iTunes. MANY USES: * Planning Future Purchases: This is a great tool for forecasting payments for a future loan, mortgage or car lease. Create a recurring transaction for the payment amount, fill in the first and last payment dates and see how it affects your balance. Make adjustments to figure out what you can afford. * Planning for Change: You might have a recurring bill that increases annually (such as health insurance). Simply create another recurring transaction to represent the increased payment and set its start date appropriately, and adjust the end date of the original transaction. You'll immediately see how it affects your finances in the future. * Planning for Uncertainty: The forecasts are only as accurate as you need them to be. If you plan to pay a minimum amount per month onto your credit card, set that up as a recurring transaction. Once you decide how much you want to pay this month, just override the forecast amount. You can always edit or delete the override later. * Getting Out of Debt: This app can help you get out of debt, and figure out how long it will take. Enter a recurring transaction between your checking / current and loan / credit account for the minimum amount you intend to pay each month. Extend the forecast period (tap "More" at the bottom of the Forecast page) and then look at the Balance Graphs for your accounts. If you can afford to pay extra in a few months, override that month's payment (or create a one-time transaction for the additional amount). You'll instantly see the effect on your checking / current balance, loan balance and when the loan will be repaid. MOVING FROM TOTAL CASHFLOW?: 1. In Total Cashflow, go to Sync -> Export to iTunes 2. In iTunes on Mac or PC (with device connected and selected) go to Apps, then find Cashflow HD / Cashflow under “File Sharing” 3. Select the "MyCashflow.xml” file, then click “Save to…” and select a suitable folder 4. Browse to the folder and rename the file Cashflows.xml 5. Select Cashflows under “File Sharing” (Cashflows has a “thinner” icon than Cashflow HD / Cashflow) 6.Click “Add…” and select the new Cashflows.xml file 7. In Cashflows, go to Sync -> Import from iTunes If you prefer, email us at appsupport@skydale-designs.com for Dropbox migration instructions.

Your finances deserve better than a simple spreadsheet. Fen is the intelligent money manager that actually helps you understand where your money goes. MANAGE YOUR MONEY—YOUR WAY Most apps just track transactions. Fen organizes them. Create custom wallets for personal spending, business expenses, or specific goals. Track income and expenses with detailed insights that actually make sense. No more wondering "where did my money go?" YOUR ENTIRE FINANCIAL PICTURE, ONE BEAUTIFUL VIEW See revenue, expenses, subscriptions, and goals in one place. Finally understand your spending patterns and what's coming next. TRACK WHAT MATTERS TO YOU Not all expenses are the same. Monitor spending by merchant, calculate loan options, or create custom budget breakdowns. Track your progress toward financial goals with visual reminders that keep you motivated. SEAMLESSLY INTEGRATED Apple's native receipt scanner captures purchases instantly (some manual editing may be needed) Document locker stores receipts and important files securely Subscription tracker prevents surprise charges iCloud sync keeps everything private and up-to-date across devices YOUR DATA STAYS YOURS Everything is stored locally on your device or in your personal iCloud—never on our servers. Zero worry about your financial information leaving your hands. POWERFUL TOOLS INCLUDED Merchant Summary: See exactly how much you spend with each vendor Breakdown Calculators: Create multiple budget versions for different scenarios Loan Calculator: Compare loan options before you commit Goal Tracker: Set targets and watch your progress grow Fully customizable wallets and categories to match your life. Transform your financial chaos into clarity. Download Fen today.