ChainMemory VS FlexiBudget.app

FlexiBudget.app's answer:

• People who prefer to enter their finances manually rather than hand credentials to a bank-aggregation service — the same audience that historically chose YNAB or Goodbudget.
• Especially useful for those who own one or more vehicles and want service, fuel, and total-cost-of-ownership tracking alongside their budget.
• Multi-currency users (expats, freelancers paid in foreign currencies, cross-border commuters, travelers) benefit from proper historical FX handling.
• Careful budgeters who want their data to be theirs and their tools to work offline.

FlexiBudget.app's answer:

FlexiBudget combines personal budgeting with a proper vehicle ledger in one app. Every refuel, service, and part is tracked per vehicle with parts-and-labor breakdowns and cost-per-kilometer, and the same entries feed directly into your monthly budget — no double entry.

The dashboard is fully customizable with your own tabs and widgets, so you see what you actually care about, not what the app decided is useful.

Multi-currency is handled with historical exchange rates, so past transactions stay accurate no matter when you enter them.

Runs offline, no bank connections, no ads, no data sold.

FlexiBudget.app's answer:

If you already juggle a spreadsheet or two apps to track budgeting and car expenses, FlexiBudget replaces both.

Compared to bank-sync budgeting apps (Mint, YNAB, Monarch), your data stays on your device by default, the dashboard is yours to shape (not a fixed layout), and there's no €99/year price tag — because there's no bank-aggregation cost to pass through.

Compared to fuel-log apps (Fuelly, Drivvo, Spritmonitor), you get the same vehicle tracking plus real budgeting, multi-currency with historical FX, and multi-vehicle support including PHEV/EV split tracking.

FlexiBudget.app's answer:

FlexiBudget started in 2016. Back then our family had three cars, and I was the one tracking it all — not because anyone needed me to, but because I wanted to know the real cost of ownership for each of them. Without a spreadsheet, remembering what was done on which car and when was a headache. My personal budget lived somewhere else entirely, in various apps I've tried over the years (YNAB, Spendee, MoneyWiz, Goodbudget, Wallet, and some I don't even remember). I also tried the obvious car apps (Drivvo, Fuelio, Simply Auto, etc). Neither side of that setup was broken, exactly. It just meant a lot of manual work, and the two never talked to each other. Fuel is a car expense and a monthly budget line, but nothing let me see both.

The specific pain wasn't the tracking itself, it was everything you had to do with the data afterward. Finding a specific record across years of history. Building yet another formula to get a parts-vs-labor ratio, or cost per kilometer. And especially: I travel a few times a year, so my life runs in 4–5 currencies at once — breakfast in EUR, dinner in GBP, fuel in Poland, a service in Germany, car parts ordered from the UK — and bringing all of that to a base currency was an extra step every single time. Back when I was looking, every app also used today's exchange rate for a transaction I entered months later, quietly making my past wrong. Most of the time I'd just dump the record in and never actually analyze it.

So I built the thing I wanted:

• Budgeting and vehicle tracking in one place
• Historical FX done properly, so past transactions stay accurate
• Offline-first — sometimes you want to check your budget or car history on a plane, on a train, in an underground parking, and there's no internet
• No bank connections. I trust my bank credentials to myself and my wife, not to a third-party aggregation service.
• A dashboard I could actually shape to show what I care about, not a fixed layout someone else decided on

It took a while. The first version in 2016 was completely different technology and mostly a personal tool for me. It slowly evolved over the years as my own needs shifted — new cars, new countries, new currencies, more history to keep. I switched over to FlexiBudget fully in 2023. Once I trusted it enough to put my own history in, I started thinking other people might find it useful too — and spent more time getting it ready to go public.

If you've ended up with a spreadsheet or two of your own and are quietly tired of not using the data in them, this is probably built for you.