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TinyCashflow vs Zenith Flow

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

TinyCashflow compared with Zenith Flow
DetailTinyCashflow logo TinyCashflowZenith Flow logo Zenith Flow
What it doesSpreadsheet-style cashflow manager Your financial future, finally clear
StageNot given Not given
FoundedNot given Not given
Based inNot given IT
Pricing modelFreemium Freemium
PricingFree: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca Free version includes Available, Zenith Index, Upcoming, unlimited accounts and transactions, 3 charts, 1 budget, 1 money box and 1 goal. Zenith Flow Plus costs €12.99 at launch price (then €19.99), as a one-time purchase, adding unlimited budgets, goals and money boxes, all charts, 24-month simulat
Key features
  • Continuous timeline view of past, present, and future financial life
  • Automatic projection of recurring income and expenses
  • Multi-currency and cryptocurrency support
  • 100% offline desktop app with optional encrypted sync
  • Cross-device sync for Premium users
  • CSV and JSON import and export with no lock-in
  • Mobile app for quick transaction capture
  • Works on Web, Windows, macOS, Linux, iOS, and Android
  • No signup or bank credentials required to start
  • Available: calculates spending capacity across all accounts
  • Zenith Index: personal spending health metric from 0 to 100
  • Simulator shows financial position over 6, 12 or 24 months
  • Budgets and money boxes for spending control
  • Transaction history and quick entry
  • Charts and financial analytics
  • iCloud sync and encrypted backup
  • Credit card management with statement tracking
  • App lock and privacy controls
What makes it different
  • No signup, no bank linking, and works completely offline without any data selling or tracking
  • Automatic recurring transaction projection so every future date shows your actual expected balance
  • Single continuous timeline showing entire financial life instead of pages or months to click through
  • Full data ownership with import/export in CSV and JSON preventing any vendor lock-in
  • One-time purchase instead of subscription
  • No bank connection or accounts required
  • Available metric shows true spending capacity across all accounts
  • Personal Zenith Index compares you to yourself, not others
  • Native apps for Mac with full keyboard and menu support
Community votes00
DR (Domain Rating by Ahrefs)8 −1 (down) since last check1 +1 (up) since last check
Trust Flow (Majestic)180
Citation Flow (Majestic)190
Referring domains (Majestic)530

5 details filled in for both companies.

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