My Simple Expenses vs SmartFlow+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Simple Expenses
Track your monthly spending and manage recurring or installment expenses. This app helps you visualize your financial outflows with a clear interface, highlighting overdue payments and offering detailed expense management.
- Monthly expense tracking
- Recurring expense management
- Installment expense management
- Overdue payment highlighting
- Detailed expense editing
- Expense deletion options
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My Expenses — Simple Bill & Installment Tracker Do you know exactly what you have to pay this month? With My Expenses, you always will. My Expenses is the simplest way to track your monthly bills, fixed expenses, and installment payments — all in one place. No complicated setup. No learning curve. Just open the app, add your expenses, and stay in control. WHY PEOPLE LOVE MY EXPENSES: • Track fixed monthly bills — rent, utilities, subscriptions • Manage installment payments — set the total number of installments and the app tracks every single one automatically (e.g. Car loan 1/36) • Overdue alerts — the app highlights overdue payments so you never miss a due date • Monthly overview — see your total expenses, what's already paid, and your remaining balance at a glance • Simple and fast — add an expense in seconds HOW IT WORKS: Home Screen — your monthly expense list, organized and easy to read. Overdue payments are highlighted so they're impossible to miss. Add Expense — enter the description, amount, and due date. Choose between a one-time expense, a recurring fixed bill, or an installment payment with a set number of months. Expense Detail — view full details, mark as paid, edit, or delete — for just that month, all future months, or all installments at once. Installment Edit — need to adjust a specific month? Edit individual installments without affecting the rest. Download My Expenses for free today and finally know where your money is going.
SmartFlow+
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Smart Flow+ is an intelligent personal finance app designed to help you organize your income and expenses in a simple, practical, and modern way. With it, you can track your financial flow, understand where your money is going, and make more conscious decisions about your spending — all in one place. Record transactions via WhatsApp using AI One of Smart Flow+’s biggest advantages is its integration with WhatsApp. You can automatically record income and expenses by sending a text or voice message, such as: “Grocery expense in the amount of 55.50” The system interprets your message with the help of Artificial Intelligence and automatically creates the transaction for you, saving time in your daily routine. Ideal for recording expenses as they happen — at the supermarket, during transportation, or in any everyday situation. Complete and intuitive dashboard Intelligent recurring system powered by AI Create personalized rules for recurring transactions by defining frequency, intervals, and dates. The app automatically manages these entries and notifies you in advance when a transaction is about to occur, helping you plan ahead and keep everything organized. Visualize your finances clearly with charts and indicators that show: Monthly balance Total income and expenses Cash flow Financial results Income and expenses by category Statements and projections Everything is presented in a simple way, making it easy to understand even if you have no prior experience with financial control. Category organization Create and customize Income and Expense categories to better organize your records and understand your main spending patterns. Multi-language support Smart Flow+ is multilingual and can be used in: Portuguese English Spanish You choose your preferred language directly in the app. Simple, secure, and practical Modern and easy-to-use interface Financial control at your own pace Ideal for personal use All your data organized in one place Who is Smart Flow+ for People who want to better organize their finances Those looking for practical expense control Users who want to quickly record expenses Anyone who wants to better understand their monthly cash flow Smart Flow+ was created to make financial control simpler, smarter, and more accessible, using technology to make your life easier. Start now and gain more clarity over your finances.
Screenshots
Verdict
The clearest difference is ads: SmartFlow+ at none against My Simple Expenses's shown. SmartFlow+ also leads on update cadence (every 2 weeks vs every 5 months). On price, in-app purchases, device support and iOS requirement 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
My Simple Expenses ships an update every 5 months, SmartFlow+ every 2 weeks. The most recent releases landed on October 8, 2026 and September 30, 2026 respectively.
| Parameter | My Simple Expenses | SmartFlow+ |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 60.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 5 months | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 46 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Gracetech Digital Solutions LLC | MARIO SERGIO SIERRA DELFINO |
In-app purchases
My Simple Expenses
No in-app purchases
SmartFlow+
No in-app purchases









