Comparison

Flowmo vs SpendWave Expense tracker App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Flowmo

Features
Read full description

Flowmo - helps you improve your financial control. If you're looking for an assistant that makes it easy to manage your budget for you, this simple and convenient costing application is perfect for you. The app will help you control your spending by helping you not to make purchases that you don't need at all. Add all your income expenses and you'll be able to get detailed reports on your expenses divided into categories with the help of convenient visualization, and you can easily get a calculation of expenses for a selected period. The intuitive and simple design helps you keep track of your money efficiently without the annoying training modes. It's currently a free app without any advertising. I try to release new updates and functionality on a regular basis. If you have any wishes or suggestions, I will be happy to discuss them with you. Your feedback is important to me! To manage your subscription, please go to Apple ID Account Settings. Privacy and Terms of use https://money-tracker.app/terms-of-use

About

SpendWave Expense tracker App

Easily manage your income and expenses with this personal finance companion. Track spending, set savings goals, and gain insights with detailed analyses and a financial calendar. Securely organize your money across different accounts and currencies.

Highlights
  • Multiple accounts and currencies
  • Quick transaction recording
  • Financial calendar overview
  • Customizable spending categories
  • Savings goal tracking
  • Detailed financial analysis
  • Data encryption for security
Features
Read full description

SpendWave - Your personal income and expenditure manager Keeping your finances under control is easy with the SpendWave - your ultimate companion for effective household management! Say goodbye to unnecessary stress and hello to financial clarity. Whether you want to keep track of your personal expenses, meet savings goals, or just want to stay on top of your finances, SpendWave is the solution you've been looking for. Features that make the SpendWave stand out: - Accounts and currencies: Easily create different accounts in any currency - be it your checking account, your credit card or your savings account. Manage your money in the currency that is most relevant to you. - Transactions in no time: record all your income and expenses with just a few clicks. Add details like amount, category, and notes to keep track. - Financial calendar: Our intelligent financial calendar shows you clearly on which days income and expenses are planned. This will help you better prepare for financial peaks and troughs. - Categories for better organization: create individual categories to best sort your transactions. Whether it's groceries, rent, entertainment or travel - you always keep an eye on where your money goes. - Define savings goals: set financial goals and track your progress towards them. SpendWave helps you make your dreams come true. - Detailed analyses: Get real-time insights into your financial situation. Graphs and charts show you how and where you spend your money to make smarter decisions. - Security first: Your data is important to us. SpendWave protects your sensitive information with state-of-the-art encryption technology. Whether you want to minimize your expenses, save for the future, or just want to stay on top of things - SpendWave is the app you can count on. Download SpendWave today and start your journey to financial freedom! Please note that SpendWave is a personal finance tracking app and is not a substitute for professional financial advice. Whenever major financial decisions are involved, we recommend consulting an expert.

Screenshots

Flowmo4 screens
SpendWave Expense tracker App4 screens

Verdict

The call

The clearest difference is device support: SpendWave Expense tracker App at 4 against Flowmo's 2. Flowmo's advantage is iOS requirement (9.0 vs 17.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Flowmo sells 2 in-app purchases, starting at $2.99 per 3 months and SpendWave Expense tracker App sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Flowmo ships an update weekly, SpendWave Expense tracker App fortnightly. The most recent releases landed on September 30, 2026 and October 9, 2026 respectively.

Scorecard2 real differences · 8 level
Flowmo versus SpendWave Expense tracker App: the parameters behind the verdict, then further details
ParameterFlowmoSpendWave Expense tracker App
PriceFreeFree
Rating—4.8 (9 ratings) — better
Positive reviews—70.0% of reviews
Number of ratings—9 — better
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS9.0 — better17.6
Further details — not scored
Size48 MB19 MB
Age rating4+4+
DeveloperAleksey MukhoRobin Guido Schmidt

In-app purchases

2 purchases

Flowmo

Subscriptions1
  • Subscription for 3 months$2.993 Months
One-time1
  • Lifetime App$7.99
4 purchases

SpendWave Expense tracker App

Subscriptions3
  • SpendWave+ Monthly3 Days trial$0.991 Month
  • SpendWave+ Monthly7 Days trial$1.991 Month
  • SpendWave+ Yearly7 Days trial$14.991 Year
One-time1
  • SpendWave+ one-time purchase$29.99

Questions

Is Flowmo free?
Flowmo is free to download, with in-app purchases available.
Is SpendWave Expense tracker App free?
SpendWave Expense tracker App is free to download, with in-app purchases available.
Do Flowmo or SpendWave Expense tracker App have ads?
Neither Flowmo nor SpendWave Expense tracker App shows ads.
Which is updated more often, Flowmo or SpendWave Expense tracker App?
Flowmo ships an update weekly, and SpendWave Expense tracker App fortnightly. Most recently, Flowmo was updated on September 30, 2026 and SpendWave Expense tracker App on October 9, 2026.

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