# Money Flow: Budget & Expenses — Spending tracker & planner > Spending tracker & planner (iPhone/iPad app by Matthew Wong.) - Source: https://appshunter.io/ios/app/money-flow-budget-and-expenses/id6774435400 (this page in markdown: same URL + `.md`) - Developer: [Matthew Wong](https://appshunter.io/developer/6774040057) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 21 MB - Languages: American English - Released: 2026-06-02 - Data updated: 2026-08-31 - User reviews in markdown: https://appshunter.io/ios/app/money-flow-budget-and-expenses/id6774435400/reviews.md ## What is Money Flow? Know what's safe to spend — before you spend it. Money Flow turns your own bills, paychecks and goals into one honest number: what's actually left this month, and what that works out to per day. See it on your Dashboard, or at a glance on your Lock Screen. Private by design: your data syncs only to your own iCloud — no bank logins, no Plaid, no data collected, ever. SAFE TO SPEND - One number that already accounts for the bills still to come, the money you're putting toward your goals, and the cushion you want to keep - See what's left per day for the rest of the month, so today's decision is an easy one - On your Dashboard, your Lock Screen, and in StandBy - Set a buffer and Safe to Spend will never tell you to spend your cushion SCAN RECEIPTS - Snap a receipt and Money Flow reads the total, merchant, and date for you - On a shared receipt, tap to include only your items — it even splits the tax and fees fairly - All on-device with Apple's Vision — your receipts never leave your phone FAST ENTRY - Add expenses, income, and transfers in a couple of taps - One-tap logging from Home Screen and Lock Screen widgets - Siri and Shortcuts support for hands-free entry BUDGETS & GOALS - Set an overall monthly budget and per-category budgets - Live progress bars and over-budget alerts keep you on track - Create savings goals and watch your progress grow SUBSCRIPTIONS & BILLS - See every recurring bill and subscription in one place, with what's renewing next - Paid weekly, every 2 weeks, twice a month, or monthly — set the cadence you're actually paid on - Know your true monthly and yearly cost at a glance - Money Flow logs them automatically on schedule — even ones due while the app was closed YOUR JOURNEY - Build a logging streak and earn milestones that keep you motivated - See how far you've come with lifetime stats BEAUTIFUL INSIGHTS - Monthly income vs. expenses, net trend, and top categories - A clean dashboard with a category donut and daily activity ORGANIZE YOUR WAY - Custom categories and accounts with their own colors and icons - Transfers between accounts and live balances SWITCHING FROM MINT OR ANOTHER APP? - Import your full history from any CSV file with smart column mapping - Export to CSV or Excel (.xlsx), or back up everything to Files / iCloud Drive — your data is never locked in PRIVATE & SECURE - Optional Face ID, Touch ID, or passcode lock - Secure iCloud sync across your iPhone and iPad - No data harvesting — your finances stay yours MONEY FLOW PRO - Remove all ads - Cash Flow: a 90-day projection of your balance, and the lowest day ahead - Advanced Insights: month-end spending forecasts and year-over-year comparisons - Custom accent themes and alternate app icons - Choose a monthly or yearly plan, with a free trial on the yearly plan Money Flow is free to download and supported by ads. Safe to Spend is free. Upgrade to Money Flow Pro anytime to remove ads and unlock premium features. We never sell your data. Money Flow Pro is an auto-renewable subscription, available monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period; you can manage or cancel anytime in your Apple Account settings. Any unused portion of a free trial is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://mwsupplylimited.github.io/financetracker/privacy.html ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Money Flow Pro (Yearly) | $29.99 | per year | | Money Flow Pro (Monthly) | $4.99 | per month | ## Version history (last 5 releases) ### 1.11 — 2026-08-27 Money Flow 1.11 — accuracy, and a much better Mac. • Recurring bills set to the 29th, 30th or 31st now land on the right day every month instead of drifting to the 28th after February. • Budget rollover now carries forward the right amount when you change a category's budget. • Amounts you type with a thousands separator (1,234.56) are read correctly. • Multi-currency totals are more accurate, and a missing exchange rate can no longer be mistaken for a converted one. • Transfers now export correctly to Excel, including the destination account. • VoiceOver labels across the app, and the purchase screen no longer clips at large text sizes. • Deleting from Recently Deleted, and deleting goals, bills and templates, now asks first. Everything stays on your device and your private iCloud. Questions? mwsupplylimited@gmail.com ### 1.10 — 2026-07-22 Money Flow 1.10 — know what's safe to spend, at a glance. • NEW Safe to Spend, right on your Dashboard — what's genuinely left this month after your bills, your goals and your buffer, plus what that works out to per day. • NEW Safe to Spend on your Lock Screen and in StandBy — one glance, no unlocking. • NEW Keep a buffer — hold back a cushion, and Safe to Spend will never tell you to spend it. • NEW interactive Templates widget — tap a saved quick-add template (Coffee, Lunch, Gas…) right on your Home Screen to log it instantly, without opening the app. • NEW twice-a-month (1st & 15th) pay cadence, plus every-2-weeks — so paydays land on the days you're actually paid. Accuracy fixes: • Quarterly and semi-annual charges are no longer detected as monthly. • Fortnightly bills post every 2 weeks instead of weekly. • Goal contributions are budgeted across the months you actually have left. • A bill due later today no longer disappears from Safe to Spend before it's paid. • Your cash buffer is now included in backups. Private by design: no bank logins, no Plaid, no data collected. Your data syncs only to your own iCloud. ### 1.9 — 2026-07-11 Money Flow 1.9 — reliability polish: • Sharper Transactions list — rows imported from CSV now show the merchant/payee as the title instead of a generic label. • Safer cross-device sync for recurring transactions — when the same auto-posted bill arrives from two devices, your edits, receipt photos, and tags are always kept. • More accurate “restored” summary after importing a backup. • Additional under-the-hood fixes. Everything stays on your device and your private iCloud. Questions? mwsupplylimited@gmail.com ### 1.8 — 2026-07-01 Money Flow 1.8 — rock-solid sync across your devices: • iCloud sync now keeps EVERYTHING in step across your iPhone, iPad, and Mac — merchants, tags, quick-add templates, saved filters, and your net-worth history all carry over. • More complete backups: net-worth history, the Bin (recently deleted), and your notification settings are now included and restored. • Merchant is now supported in CSV import and export, so it round-trips cleanly. • Reliability fixes, including self-healing of duplicate recurring entries across devices. Everything stays on your device and your private iCloud. Questions? mwsupplylimited@gmail.com ### 1.7 — 2026-06-26 Money Flow 1.7 — log faster, see more: • Quick-add templates — save the things you log often (Coffee, Lunch, Gas) and add them in one tap. • Upcoming Bills — a "coming up" card and agenda so you see what's about to post before it does. • Top Merchants — see exactly where your money goes, not just which category. (Pro) • Saved filters — keep go-to views like "Reimbursable" one tap away. • Shareable PDF statement for any month. (Pro) • Plus polish and reliability fixes. Everything stays on your device. Questions? mwsupplylimited@gmail.com ## Apps similar to Money Flow | App | Rating | Price | Category | | --- | --- | --- | --- | | [Pocket - Budget Tracker](https://appshunter.io/ios/app/pocket-budget-tracker/id6754518939) | 3.0 (1) | Free | Finance | | [Money Saving Tracker](https://appshunter.io/ios/app/money-saving-tracker/id6767586835) | — | Free | Finance | | [Game Session Tracker](https://appshunter.io/ios/app/game-session-tracker/id6757566209) | 5.0 (1) | Free | Finance | | [Bill Splitter AI: TabRush](https://appshunter.io/ios/app/bill-splitter-ai-tabrush/id6743443041) | — | Free | Finance | | [Minty - Finance Tracker](https://appshunter.io/ios/app/minty-finance-tracker/id6752962593) | — | Free | Finance | | [Finance Tracker: Budget Tool](https://appshunter.io/ios/app/finance-tracker-budget-tool/id6747404326) | — | Free | Finance | ## More apps by Matthew Wong - [SciCalc: Graphing Calculator](https://appshunter.io/ios/app/scicalc-graphing-calculator/id6774040055) - [Chronograde: Watch Accuracy](https://appshunter.io/ios/app/chronograde-watch-accuracy/id6774091390) - [RoadBook: Drives & Road Trips](https://appshunter.io/ios/app/roadbook-drives-and-road-trips/id6774244290) - [Video to Photo: Frame Grab](https://appshunter.io/ios/app/video-to-photo-frame-grab/id6774273813) - [Body Clock: Jet Lag Planner](https://appshunter.io/ios/app/body-clock-jet-lag-planner/id6774922882) All apps by Matthew Wong: https://appshunter.io/developer/6774040057 ## Related topics [money flow](https://appshunter.io/ios/topics/money-flow) --- *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 2026-08-31.*