Comparison

Cashflow + vs Money Masters

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

Head to head
About

Cashflow +

Learn to build wealth with ETFs and stocks through simple, step-by-step lessons. Understand dividends, chart analysis, and P2P lending without jargon. Get ready-made portfolio examples to start investing confidently.

Highlights
  • ETF and stock savings plans
  • Dividend and passive income strategies
  • Chart analysis for market understanding
  • P2P lending insights
  • Ready-made portfolio examples
  • Short, 5-10 minute lessons
Features
Read full description

71% of Germans don't invest their money — and lose purchasing power every year. Cashflow + teaches you step by step, in simple lessons, how to build wealth with ETFs and stocks. —————————————————————————— WHAT YOU LEARN WITH CASHFLOW + —————————————————————————— ETFs & Stocks — How to build wealth automatically with a savings plan Dividends & Passive Income — Money that works for you Chart Analysis — Learn to read markets and make better decisions P2P Lending — What's behind it and is it really worth it? Ready-Made Portfolio Examples — No guesswork, start right away —————————————————————————— WHY CASHFLOW +? —————————————————————————— No jargon. No degree needed. Just real-world experience — explained clearly, ready to apply immediately. - Built for absolute beginners - Step-by-step guides with real examples - Lessons you can complete in 5-10 minutes - Regular new content included - No investment advice — just solid financial knowledge —————————————————————————— PRICING & SUBSCRIPTIONS —————————————————————————— Monthly: 4.99 EUR / month Yearly: 29.99 EUR / year (save over 50%!) Lifetime: 44.99 EUR — one-time payment, access forever All plans include full access to all content and regular updates. Your monthly subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Payment will be charged to your iTunes account upon purchase confirmation. You can manage your subscriptions in your iTunes account settings. —————————————————————————— Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://cashflowpositiv.de/privacy-policy/

About

Money Masters

Master personal finance through gamified lessons, daily trivia, and investing basics. Learn about budgeting, economics, and the stock market. Top users can earn real rewards.

Highlights
  • Gamified financial literacy lessons
  • Daily trivia and leaderboards
  • Investing and stock market basics
  • Personal finance and budgeting
  • Rewards for top learners
  • Ad-free premium option
Features
Read full description

If you really want to learn about finance and business, this is your app. We're not going to sugarcoat it. This is about learning. Every day we publish new business breakdowns, company stories and financial history, so you actually understand how money works instead of just reading about it. Plus a gamified Academy that turns the fundamentals into lessons you can finish in five minutes. DAILY BUSINESS BREAKDOWNS How real companies make and lose money. What went right, what went wrong, and what it means for you. New stories every day, written to be read in a couple of minutes. FINANCIAL HISTORY The crashes, the booms, the decisions that built modern finance. History is the best finance teacher there is, and most people never get taught it. GAMIFIED ACADEMY Over 300 lessons across five tracks. Earn XP, build streaks, climb the leaderboard, and actually get to the end of what you started. Personal finance and budgeting: where your money goes and how to control it Investing basics: stocks, ETFs, index funds, risk and compound interest Economics: inflation, interest rates, and how they reach your rent and your salary Trading fundamentals: how markets move and why prices do what they do Corporate finance: how businesses raise money and spend it Every lesson ends with questions, so you find out whether it stuck. DAILY TRIVIA A finance quiz every day, with a global leaderboard. Test what you know and find out what you don't. STREAKS AND ACHIEVEMENTS Two days. Seven days. Thirty days. The app tracks every streak, because the habit is the part that matters. WHY IT WORKS You don't need more information about money. Information is free and everywhere, and most people still feel lost. What's missing is finishing. Money Masters is built around short sessions, daily streaks and a scoring system that brings you back tomorrow. Consistency is what changes your understanding. Not one long course you abandon in week two. FREE AND PREMIUM The Academy, daily trivia, business breakdowns and financial history are open to everyone. Premium gives you the full Academy, removes ads, and opens every article. Over 100,000 learners are already using Money Masters. Available in English and Spanish. Educational content only. This is not financial advice. Terms of Use: https://moneymasters.app/terms

Screenshots

Cashflow +4 screens
Money Masters4 screens

Verdict

The call

The clearest difference is device support: Money Masters at 3 against Cashflow +'s 1. Money Masters also leads on iOS requirement (15.1 vs 17.6). On price, review sentiment, update cadence and ads 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. Cashflow + sells 12 in-app purchases, starting at $0.99 per 7 days and Money Masters sells 2 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Cashflow + ships an update every 5 weeks, Money Masters every 3 weeks. The most recent releases landed on August 27, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 8 level
Cashflow + versus Money Masters: the parameters behind the verdict, then further details
ParameterCashflow +Money Masters
PriceFreeFree
Rating4.3 (39 ratings) — better
Positive reviews91.3% of reviews — better90.0% of reviews
Number of ratings39 — better
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.615.1 — better
Further details — not scored
Size190 MB54 MB
Age rating4+17+
DeveloperOliver RoemerMNYMSTRS

Customer experience

Cashflow +

Written reviews23 reviews
Positive91.3%
Neutral4.3%
Negative4.3%

Money Masters

All ratings39 ratings
Positive84.6%
Neutral0.0%
Negative15.4%
Written reviews40 reviews
Positive90.0%
Neutral2.5%
Negative7.5%

In-app purchases

12 purchases

Cashflow +

Subscriptions7
  • Crashkurs2 variants$0.997 Days
  • ELITE monthly$4.991 Month
  • Passiv Invest Workshop2 variants$5.993 Months
Show 4 more
  • All-In-One 3 Monate3 Months trial$8.993 Months
  • Elite Workshop2 variants$8.996 Months
  • SALE ELITE annually$11.991 Year
  • ELITE annually7 Days trial$24.991 Year
One-time5
  • 500 Coins$0.99
  • 2.000 Coins$1.99
  • 3.000 Coins$2.99
Show 2 more
  • PremiumSale$3.99
  • Premium$7.99
2 purchases

Money Masters

Subscriptions2
  • Monthly3 Days trial$5.991 Month
  • Yearly3 Days trial$44.991 Year

Questions

Is Cashflow + free?
Cashflow + is free to download, with in-app purchases available.
Is Money Masters free?
Money Masters is free to download, with in-app purchases available.
Do Cashflow + or Money Masters have ads?
Both Cashflow + and Money Masters show ads.
Which is updated more often, Cashflow + or Money Masters?
Cashflow + ships an update every 5 weeks, and Money Masters every 3 weeks. Most recently, Cashflow + was updated on August 27, 2026 and Money Masters on September 10, 2026.

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