# Flow: Money Tracker — Track money. Stay private.

> Track money. Stay private. (iPhone/iPad app by Saken Khudaibergenov.)

- Source: https://appshunter.io/ios/app/flow-money-tracker/id6780137104 (this page in markdown: same URL + `.md`)
- Developer: [Saken Khudaibergenov](https://appshunter.io/developer/495547657)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.5 · 86 MB
- Languages: American English
- Released: 2026-06-17
- Data updated: 2026-08-25
- User reviews in markdown: https://appshunter.io/ios/app/flow-money-tracker/id6780137104/reviews.md

## What is Flow?

Flow is a personal finance app that respects your privacy. Your money data
stays on your device. No accounts, no ads, no analytics, no tracking SDKs.

WHY FLOW

Most finance apps are a privacy black box — they read your transactions,
sell your spending patterns, and lock features behind subscriptions. Flow
doesn't. Everything works offline. The app costs nothing.

WHAT'S INSIDE

- Smart Add: type "12 coffee" and Flow predicts the category from a
  4-layer model — note keyword, your merchant memory, the time of day,
  and a fallback. Median add is 3 taps.

- Recurring bills: track rent, subscriptions, salary. The Plan tab
  shows what's coming, what's paid, and what's left in your monthly
  Disposable.

- Budgets per category: a soft warning at 80%, a stop sign at 100%.
  Rollover supported.

- Net worth chart: 24 months of history, four time windows, drill
  into any account.

- Insights: month-over-month deltas per category, income vs. spending
  by month, spike alerts when a category is 2σ above your rolling mean.

- Multi-currency: hold accounts in different currencies, see totals
  converted to your display currency. FX rates refresh daily from a
  public provider — opt-in.

- 50 locales. Right-to-left layouts for Arabic, Hebrew, Persian, Urdu.

- Demo profile bundled — explore the full app with two years of
  realistic sample data before adding a single real transaction.

PRIVACY

Your data is stored only on your device (SQLite + MMKV). No backend.
No login. No advertising network. No telemetry by default. Optional:
FX rates fetched once per day from a public exchange-rate service; you
can switch this off.

EXPORT

Export your full history as JSON or CSV at any time. Restore from a
prior JSON export to a fresh install. Monthly and yearly PDF reports.

OPEN ROADMAP

Cloud sync, home-screen widgets, and Apple Watch / Wear OS companions are tracked for v1.1+.

—

Privacy: https://aqsaqal.github.io/moneyapp/flow/privacy/
Terms:   https://aqsaqal.github.io/moneyapp/flow/terms/
Support: ak.saken@gmail.com


## Version history (last 1 release)

### 1.0 — 2026-06-17

No release notes.

## More apps by Saken Khudaibergenov

- [Calculus Formulas](https://appshunter.io/ios/app/calculus-formulas/id495547654)

All apps by Saken Khudaibergenov: https://appshunter.io/developer/495547657

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*