# FLOW: Personal Finance — Track spending, save smarter > Personal budget tracker for income, expenses, savings, and financial overview. (iPhone/iPad app by Karam Saleem.) - Source: https://appshunter.io/ios/app/flow-personal-finance/id6765567567 (this page in markdown: same URL + `.md`) - Developer: [Karam Saleem](https://appshunter.io/developer/1895996068) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 6 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 18.1 · 15 MB - Languages: American English - Released: 2026-05-03 - Data updated: 2026-08-10 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/flow-personal-finance/id6765567567/reviews.md ## What is FLOW? FLOW is your personal budget tracker — simple, powerful, and designed to replace the everyday spreadsheet. Set up your income, add your recurring payments, and track every dollar. FLOW automatically calculates what you have left each day, each month, and how you're doing against your savings goal. FEATURES: - Dashboard with daily budget, monthly spending, and savings progress - Salary mode with automatic paycheck calculation (weekly, bi-weekly, semi-monthly, monthly) - Recurring payments tracking for subscriptions, bills, and fixed expenses - Per-month savings goals with bonus paycheck detection - Month-by-month budget breakdown with swipe navigation - Category-based spending with customizable colors - Spreadsheet view for detailed line-by-line review FLOW PRO: - Analytics dashboard with monthly and yearly donut charts - Export to CSV for spreadsheets - Export to PDF with bank statement-style reports Sign in with Apple keeps your data secure. Your finances stay private — no ads, no tracking, no third-party data sharing. ## Key features - Daily and monthly budget tracking - Automated salary and paycheck calculation - Recurring payment management - Savings goal setting - Category-based spending analysis - Spreadsheet and analytics views - Data export to CSV and PDF ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | FLOW Pro | $4.99 | one-time | ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/flow-personal-finance/id6765567567/reviews.md ### 5/5 — What I’m looking for *2026-05-13* FLOW makes budgeting super simple and stress-free. The app is clean, easy to use, and helps me actually understand where my money is going without overcomplicating things. I’ve been saving more just by staying consistent with it. Definitely a 5-star app—highly recommend. ### 5/5 — Extremely simple and detailed *2026-05-12* This is the first app I can actually use to track my personal spendings. Most other apps are overly simplified and don't allow much customization. FLOW is the perfect balance of details, customization, and a simple user interface ### 5/5 — Flow overall app *2026-05-08* App is built great and it’s very user friendly to use! 5 stars! ⭐️⭐️⭐️⭐️⭐️ ### 5/5 — User friendly, yet intuitive *2026-05-06* I use to do all my budgeting on excel sheets, happy that I switched over to this app. It is easy on the eyes, has everything I need on it and gives me a solid breakdown of my spending. Really enjoying the export to PDF feature too! ### 5/5 — Super simple! *2026-05-05* Clean user interface, intuitive, and not overwhelming! This is rare to find compared to other finance apps out there. Setting up my account took seconds and I immediately got an understanding of where my money was going. This app truly tracks and improves spending habits. Completely changed the way I see my income and the way I save! ## Frequently asked questions about FLOW ### What is FLOW? FLOW is a personal budget tracker designed to help you monitor your income, expenses, and savings goals. It automatically calculates your daily and monthly budget, providing clear visualizations of your financial progress. ### Is FLOW free to use? FLOW offers a free version with core budgeting features. Additional advanced features, such as the analytics dashboard and data export options, are available through FLOW Pro, which is a paid upgrade. ### How does FLOW handle recurring payments? FLOW allows you to track all your recurring payments, including subscriptions and bills. This helps you stay on top of fixed expenses and understand their impact on your overall budget. ### Does FLOW have ads? No, FLOW is ad-free. The app prioritizes user privacy and security, ensuring no advertisements or third-party data sharing. ### What security measures does FLOW use? FLOW uses 'Sign in with Apple' to keep your data secure. Your financial information is kept private and is not tracked or shared with third parties. ### Can I export my financial data from FLOW? Yes, with FLOW Pro, you can export your financial data to CSV for spreadsheet analysis or to PDF for bank statement-style reports. This allows for detailed review and record-keeping. ### What devices is FLOW available on? Currently, FLOW is available on iPhone. The app is designed for iOS devices. ### How often is FLOW updated? FLOW was last updated on May 8, 2026, with version 1.3. This indicates a recent update and ongoing development for the application. ## Version history (last 5 releases) ### 1.3.1 — 2026-08-06 Bug fixes and improvements: • Entries added on the same day now stay in the order you added them — newest on top • CSV and PDF exports now match the in-app ordering • Category suggestions appear instantly when adding an entry right after launching the app • Home page summary cards now always display, even without a savings goal or income set up • New tip card on the Home page suggesting a savings goal to unlock budget tracking and a daily spend target ### 1.3 — 2026-05-08 What's New in FLOW v1.3 Yearly Breakdown - View your entire year at a glance. The new Yearly Breakdown detail page shows month-by-month Income, Spending, and Savings in one table, plus a scrollable category-by-category spending breakdown. Smarter Category Input - Type to live-filter your category list as you go. Tap a category chip and the full list stays visible so you can quickly switch. Bug Fixes & Polish - Savings goal edit now works in table view - Donut chart groups small categories as "Other Categories" to avoid conflicts with user categories - Pencil icons more visible across the app - Dollar amounts properly aligned in budget table view ### 1.2 — 2026-05-06 ⏺ What's New in FLOW v1.2 Flow Score & Achievements Introducing your Flow Score — a personal budgeting rating from 350 to 850, inspired by credit scores. Earn 31 achievements across Active Days, Logging, Time Tracked, Budget Discipline, Savings, and Diversity. Climb the ranks from Intern to Flow Master. Tap your profile card to view your progress. Budget Progress & Analytics - Set optional budgets per category and track spending with visual progress bars. Expand any category for a stock-style chart with monthly trends, Low/Avg/High stats, and time range filters (3M/6M/1Y/All). Top Transactions highlights your biggest non-recurring purchases each month — and top 10 for the year. Smarter Add Entry - Category chips now scroll horizontally showing all your categories. Placeholder text rotates with realistic examples matched to categories. Save resets everything instantly. Quality of Life - Categories settings redesigned with inline budget fields - Income always first with locked color - Chevron indicators on expandable sections - Input validation across all fields - View All on Top Transactions jumps to Budget tab ### 1.1 — 2026-05-05 What's New in FLOW 1.1: - Recurring payments now auto-populate each month - Added pay day tracking for accurate paycheck calculations - Biweekly pay schedule now correctly detects bonus paycheck months - Improved layout scaling for all iPhone sizes - Categories now auto-capitalize for consistency - Dark mode optimized throughout - Bug fixes and performance improvements ### 1.0 — 2026-05-03 No release notes. --- *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 2026-08-10.*