# MonyFlow: No bank login — No bank login, Debt Payoff

> No bank login, Debt Payoff (iPhone/iPad app by YOUSSEF EL BEQQAL.)

- Source: https://appshunter.io/ios/app/monyflow-no-bank-login/id6767842030 (this page in markdown: same URL + `.md`)
- Developer: [YOUSSEF EL BEQQAL](https://appshunter.io/developer/1896140333)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 53 MB
- Languages: American English
- Released: 2026-06-16
- Data updated: 2026-10-25

## What is MonyFlow?

MoneyFlow – Budgeting That Resets With Your Real Life, Not the 1st of the Month

Most budgeting apps reset on the 1st and fall apart the moment your pay date, bills, or spending don't match a fixed calendar. MoneyFlow gives you one number that always tells the truth: Safe-to-Spend — your income, minus every bill, debt, subscription, and goal you've committed to, updated in real time.

TRACK EVERY PART OF YOUR MONEY IN ONE PLACE
• Spending — Set a budget per category and get warned before you overspend, not after
• Goals — Set a target and deadline, log contributions, and see if you're on track
• Investments — Track what you've actually contributed to stocks, crypto, and funds
• Debts — See your exact payoff month, plus how much extra payments save you
• Subscriptions — Every recurring charge in one list, with renewal alerts 3 days early
• Bills — Track variable bills like electricity and water, and spot what's higher this month
• Income — Log what you earn to power your real-time Safe-to-Spend number

KNOW WHERE YOU STAND, NOT JUST WHAT YOU SPENT
• Net Worth — Assets minus liabilities, updated monthly
• 21 Achievements — Earn badges and build your Wealth Score as you pay down debt and hit goals
• Upcoming Payments — See every bill, subscription, and debt payment due in the next 7 or 30 days
• Debt Payoff Date — Enter your rate and balance, see your exact payoff date, free for every debt

PRO UNLOCKS
• Strategy Comparison — Compare snowball vs avalanche to find the fastest path out of debt
• Weekly AI Insights — A personalized coaching tip based on your actual spending, goals, and debt
• 12-Month Net Worth Chart — See your trend over time
• Cloud Sync — Keep your data backed up and synced across devices
• CSV Export — Take your data with you, anytime

WHY PEOPLE SWITCH TO MONEYFLOW
• No bank sync to break — your data lives on your device
• Core features are free — all 7 categories, achievements included, no paywall
• No ads, ever — Pro subscribers fund the app, not your attention
• Built for people juggling more than a single budget — bills, debt, investing, and saving, all at once

Free, offline-first, and ready in under 2 minutes. Upgrade to Pro anytime for AI insights, debt strategy comparisons, and net worth trends.

Terms of Use (EULA): https://www.getmoneyflow.app/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| MoneyFlow Premium Yearly | $79.99 | per year |
| MoneyFlow Premium Monthly | $9.99 | per month |


## Is MonyFlow safe?

Not enough ratings yet to assess MonyFlow.

## Is MonyFlow legit?

MonyFlow: No bank login has limited verification signals. The AppsHunter Legitimacy Score for MonyFlow is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.37.1 — 2026-10-24

Version 1.48.0

NEW
- Create a free account to back up your data and restore it on a new phone. After setup you'll see a short screen explaining why. You can close it and skip it any time.

FIXES
- Fixed the yearly price on the upgrade screen so it no longer looks like a monthly price.
- Fixed a false "Update Available" message that appeared when you were already on the latest version.
- Cleaner app launch: only the MoneyFlow animation shows when the app opens.

### 1.36.18 — 2026-10-23

I remove skip button in onboarding

### 1.36.17 — 2026-10-22

I update screenshot and fix a small bug in statistcsi screen

### 1.36.16 — 2026-10-21

Simpler My Performance
- My Performance now focuses on your net worth and achievements.
- A new "Next milestones" card shows the next three badges you can earn.

Fixes
- The reminder switch now works when you edit a goal, investment, bill or income.
- Tapping the weekly AI tip notification now opens your saved tips in Notifications.
- Fixed unreadable text on the "Not sure which type to pick?" banner.

### 1.36.15 — 2026-10-08

- Fixed an issue where yearly subscriptions were affecting your Safe-to-Spend amount incorrectly in some months. Yearly subscriptions are now spread evenly across the year, so your Safe-to-Spend number stays accurate every month.
- When telling us how you found MoneyFlow during onboarding, you can now type in your own answer if none of the options fit.
- General stability improvements.

## Apps similar to MonyFlow

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Money Flow: Budget & Expenses](https://appshunter.io/ios/app/money-flow-budget-and-expenses/id6774435400) | — | Free | Finance |
| [Money Journal - Budget Planner](https://appshunter.io/ios/app/money-journal-budget-planner/id1305691801) | 4.3 (359) | Free | Finance |
| [Money Flow: Daily Budget App](https://appshunter.io/ios/app/money-flow-daily-budget-app/id6450634934) | 5.0 (5) | Free | Finance |
| [O2 Digital Banking](https://appshunter.io/ios/app/o2-digital-banking/id1500046724) | 4.7 (11,650) | Free | Finance |
| [XRP Alerts](https://appshunter.io/ios/app/xrp-alerts/id1059392404) | 4.7 (2,006) | Free | Finance |
| [Monbark: Budget & Money Track](https://appshunter.io/ios/app/monbark-budget-and-money-track/id6777478123) | 4.7 (289) | Free | Finance |

## More apps by YOUSSEF EL BEQQAL

- [Fanway – Fan Travel](https://appshunter.io/ios/app/fanway-fan-travel/id6765957122)

All apps by YOUSSEF EL BEQQAL: https://appshunter.io/developer/1896140333

## Related topics

[no login](https://appshunter.io/ios/topics/no-login)

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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 2026-10-25.*