HomeBudget with Sync

Finances (the current branding for HomeBudget with Sync) is a traditional manual-entry personal finance app, not an aggregator. Anishu's own comparison page draws the line clearly: Finances is the HomeBudget feature set plus investment tracking, added cycle options, and simplified cloud sync. The strongest part is the accounting logic. A bill can become an expense when you pay it and adjust the account balance in the same action, and a credit card payment can be booked as a transfer so the original card expense isn't double counted. If you've ever watched a budget app inflate your spending because it counted a card purchase and the card payment separately, this is the fix. The second differentiator is cycles. Instead of assuming a calendar month, Finances supports Weekly, Every 2 weeks, Every 4 weeks, Semi-monthly, and Monthly — and applies the same cycle to expenses, income, and budgets. If you're paid biweekly or twice a month, budgets that respect that rhythm are far more truthful than monthly ones. Investments get basic coverage: cash and stock tracking with daily prices fetched automatically. That's enough to see holdings alongside your cash flow, but this is not a portfolio analytics tool — no evidence of performance charting, allocation analysis, or return attribution. Where it gives ground: it is iOS-only per Anishu's page (desktop sync covers Mac/Windows, but the app itself is iOS), there's no bank syncing, no web access, no documented third-party integrations, and the free tier caps at 100 entries before a monthly or yearly subscription kicks in. For a heavy user that cap arrives quickly. The honest framing: this is a well-built, narrowly scoped Apple finance app for people who want to type their own numbers and be rewarded with correct math and honest periods. It is not a Mint replacement, because Mint's whole premise was automatic aggregation.