# Cash Flow Planner vs Habit Tracker

The clearest difference is in-app purchases: Cash Flow Planner at none against Habit Tracker's 3. Habit Tracker's advantage is update cadence (every 4 days vs every 27 months) and review sentiment (87% vs 76%). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Habit Tracker sells 3 in-app purchases, starting at $0.99 per month. Cash Flow Planner asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.6 for Cash Flow Planner against 4.7 for Habit Tracker. Both are backed by a comparable volume of ratings — 305 and 151 respectively. Written reviews are what separate them: 76% of Cash Flow Planner's written reviews are positive against 87% of Habit Tracker's.

Cash Flow Planner ships an update every 27 months, Habit Tracker every 4 days. Both last shipped on September 29, 2026.

## The numbers

| Metric | Cash Flow Planner | Habit Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (305 ratings)](https://appshunter.io/ios/app/cash-flow-planner/id1436749337/reviews) | **[4.7 (151 ratings)](https://appshunter.io/ios/app/habit-tracker-habitstack/id6479176533/reviews)** |
| Number of ratings | **305** | 151 |
| Positive reviews | 75.6% of reviews | **87.1% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 27 months | **Every 4 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 6 MB | 163 MB |
| Requires iOS | 17.4 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Erik Wegener](https://appshunter.io/developer/424482392) | [Flavio Aliu](https://appshunter.io/developer/1646429466) |

## What reviewers say

### Cash Flow Planner

[App page](https://appshunter.io/ios/app/cash-flow-planner/id1436749337)

This personal finance app helps you track income and expenses with ease. You can record one-time and recurring transactions, create custom categories, and set budgets and income targets. Get a clear overview of your finances and manage your money effectively.

**Highlights:** Track income and expenses, Record recurring transactions, Create custom categories, Set budgets for expenses, Set income targets, iCloud data sync

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Simple and uncomplicated
- 👍 Great for cashflow planning
- 👍 No bank linking required
- 👍 Clean look

**What reviewers complain about**

- 🐛 Unreadable text in dark mode
- 🐛 Math drops cents to lower dollar
- 🐛 Too rigid, lacks customization
- 🐛 No reports or comparisons
- 🐛 Filter feature not working

**Reported bugs**

- Text unreadable in dark mode
- Font disappears when adding/changing categories
- Math drops cents to lower dollar amount
- Filter feature does not show relevant transactions

**Requested features**

- Option to adjust background color
- Reports by week or month
- Analytical tools (pie charts, graphs)
- Print document option
- Ability to adjust font color


### Habit Tracker

[App page](https://appshunter.io/ios/app/habit-tracker-habitstack/id6479176533)

Build lasting habits and achieve your goals with this digital planner. Track progress, set custom routines, and receive personalized reminders to stay organized and motivated. Break bad habits and cultivate positive ones with detailed analytics and a supportive community.

**Highlights:** Comprehensive habit tracking, Customizable digital planner, Personalized reminders, Detailed progress analytics, Custom routine building, Habit stacking feature

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| HabitStack Pro Month | $0.99 | per month |
| HabitStack Pro Year | $6.99 | per year |
| Pro Lifetime | $19.99 | one-time |

**What reviewers like**

- 👍 Easy to use and simple
- ✨ Beautiful and clean interface
- 🚀 Helps build and track habits
- 💡 Motivating and shows progress
- 🎨 Customizable with icons and colors

**What reviewers complain about**

- 🐛 Noticeable slowdown/lag with many habits
- 🐛 Support venues not working
- 🐛 Needs more icons (basic ones missing)
- 🐛 Annoying capitalization of habit titles
- 🐛 Onboarding is long and awkward

**Reported bugs**

- Noticeable slowdown/lag when scrolling with many habits
- Support venues not working
- Habits deleted after update to version 3.0.1
- Some history deleted from previous versions
- Unable to add habits past mid-January (potential date issue)

**Requested features**

- Widgets for habit tracking
- Reminders for multiple times a day for a habit
- Option to hide/show habits when due
- More icons, including pencil, heart, computer
- Option to disable capitalization of habit titles


## Frequently asked questions

### Is Cash Flow Planner free?

Cash Flow Planner is free to download, with no in-app purchases.

### Is Habit Tracker free?

Habit Tracker is free to download, with in-app purchases available.

### Which has better reviews, Cash Flow Planner or Habit Tracker?

Habit Tracker is rated higher. Cash Flow Planner averages 4.6 out of 5 from 305 ratings, while Habit Tracker averages 4.7 from 151 ratings.

### Do Cash Flow Planner or Habit Tracker have ads?

Neither Cash Flow Planner nor Habit Tracker shows ads.

### Which is updated more often, Cash Flow Planner or Habit Tracker?

Cash Flow Planner ships an update every 27 months, and Habit Tracker every 4 days. Most recently, Cash Flow Planner was updated on September 29, 2026 and Habit Tracker on September 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*