# Monflow: Finance with AI — Budget, expenses & net worth

> Budget, expenses & net worth (iPhone/iPad app by Urko Garmendia Perez.)

- Source: https://appshunter.io/ios/app/monflow-finance-with-ai/id6789992541 (this page in markdown: same URL + `.md`)
- Developer: [Urko Garmendia Perez](https://appshunter.io/developer/6789992543)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 11 MB
- Languages: American English, French (France), German (Germany), Italian, Brazilian Portuguese, European Spanish
- Released: 2026-07-25
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/monflow-finance-with-ai/id6789992541/reviews.md

## What is Monflow?

Managing money used to mean spreadsheets, receipts, and apps that feel like homework. Monflow is different — it's the finance app you actually talk to.

Just say it:
• "I spent 40 on dinner." → logged and categorized, instantly.
• "How much did I spend on food this month?" → a straight answer.
• "Can I afford a €900 trip?" → real reasoning against your actual money.

Your money, finally in plain conversation.

EVERYTHING IN ONE PLACE
• Live net worth across all your accounts
• A single Financial Health score — your finances in one number
• Analytics that show where your money really goes
• Subscriptions tracked so nothing slips through
• Goals with clear progress
• Personalized AI insights, every month

TALK OR TYPE
Log expenses, check balances, plan purchases — by voice or text, in seconds. Monflow's AI understands you and does the work.

BUILT FOR EVERY DAY
A one-minute daily rhythm that keeps you on top of your money — with streaks to keep you going.

MONFLOW PLUS
Unlock real-time voice, unlimited AI, monthly insights and more.

Your money, in conversation. Download Monflow and just talk.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.monflow.es/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monflow Plus | $29.99 | per month |
| Monflow Plus | $299.99 | per year |



## Version history (last 4 releases)

### 1.3 — 2026-08-11

A new first impression — Monflow now assembles itself as it opens, with haptics to match.
Signing in is quicker: Apple and Google now come first.
Better translations across German, French, Italian and Portuguese.

### 1.2 — 2026-08-03

New features, improvements, and bug fixes.

### 1.1 — 2026-07-29

Monflow just got a big update — and a whole new way to handle your money: just talk to it.

• A beautifully redesigned experience — faster and smoother throughout
• All-new Analytics: see exactly where your money goes, month over month
• Cleaner categories across expenses, income, savings and investments
• Share your wins — financial health score, streaks and goals reached
• Talk to your money by voice or text: log, ask, and plan in seconds
• Performance and stability improvements across the app

Your money, in conversation. Thanks for using Monflow!

### 1.0 — 2026-07-25

No release notes.

## More apps by Urko Garmendia Perez

- [Spikin: Speak English with AI](https://appshunter.io/ios/app/spikin-speak-english-with-ai/id6789995376)

All apps by Urko Garmendia Perez: https://appshunter.io/developer/6789992543

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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 2026-08-23.*