
Calyx Point
Encompass360
Finflux
DecisionPro
Hosted Loan Servicing
Unison
Unity
TValue amortization software to structure loans, loan modifications, leases,troubled debt restructurings (TDRs), and to solve any time value of money calculations.

Wave Financial
Zoho Expense
Xero
Toshl
FreshBooks
GnuCash
HomeBank
GilFlow is smart cash flow management for individuals and teams — track income, expenses, subscriptions, and cash flow across every workspace, on the web and on Android.

Which is more popular?
Website, pricing, platforms and company facts side by side.
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| Website | timevalue.com | gilflow.com |
| Pricing | — | |
| Platforms | — | |
| Company | — | Startup from the United States · 1 - 9 employees · 2026 |
| Listed in |
In their own words, as submitted to SaaSHub.


No description of TValue yet.
GilFlow is a web and Android app for tracking income, expenses and cash flow, for individuals and teams. You keep separate workspaces for personal finances, a business or a client, and everyone you invite gets a role that controls what they can do.
What each product offers, as listed by its team.


Possible disadvantages
How often each product is chosen within a category, 0–100% relative to the other.


As answered by people managing TValue and GilFlow.
GilFlow's answer:
Simple to use for individuals, but customizable enough to be used by teams. Has a fully functional free tier for personal use. You can use the application both on the Web or using an android application
GilFlow's answer:
GilFlow's answer:
Individuals or small teams who want to keep track of their expenses and income.
GilFlow's answer:
I'm the developer of GilFlow, a project I've been building on my own for the last few months(I believe I started on April this year), Im a professional enterprise developer(full stack) with close to 20 years of experience, and like many people I often find difficult to track my expenses and subscriptions, getting to the end of the month not knowing exactly were my money went -_-, I saw very few options available in the market for this, so I decided to try to build an application to tackle this issue, I wanted to build something simple to use for regular people but customizable/useful enough for small teams.
GilFlow's answer:
ASP.NET Core 8(C#) SQL Server Android: Kotlin + Jetpack Compose (IDE - Android Studio)
Share your experience with using TValue and GilFlow. For example, how are they different and which one is better?
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