Flow记账 vs MONO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Flow记账
Quickly record financial transactions and gain insights into spending habits. This app simplifies bookkeeping with a clear design, focusing on consumption rather than complex account balances. Data is saved locally for privacy and can be backed up automatically.
- Quick transaction recording
- Multi-dimensional transaction observation
- Improve consumption habits
- Enhance financial management
- Simple and clear design
- Local data saving for privacy
- Automatic data backup
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Flow 很高兴遇见你。 Flow 是一款通过快捷记录交易、多维度观测交易,改善自身消费习惯,提升内在理财能力的 App。 记账是理财的基础。Flow 中记录交易快捷、简单,只需金额和类别即可,让记账更加简单。 Flow 设计简单明了,没有复杂的帐户信息,关于记账,我们更应该关注于消费情况,而非帐户余额。 Flow 可以尽情的免费使用,部分功能需要购买 Pro 版本。Pro 版本一次性购买,永久可用。 Flow 无需登录,数据保存在本地,隐私不会泄漏。 数据会定时备份(如果 iCloud 可用,那么会备份在 iCloud 上) 如果您用使用上的问题,或者是功能上的建议,可通过邮件联络我们。 邮件: hello@yeseni.today 使用条款:https://yeseni-today.github.io/mematom-resources/flow/terms-of-use 隐私协议:https://yeseni-today.github.io/mematom-resources/flow/privacy-policy
MONO
Effortlessly track expenses using AI. Log transactions via text, screenshots, or photos, and get automatic categorization and smart reports. Manage subscriptions and multiple currencies with secure iCloud sync.
- AI-powered expense logging
- Screenshot and photo recognition
- Automatic categorization
- Smart financial reports
- Subscription management
- Multi-currency support
- iCloud sync
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Type a message, take a screenshot, or snap a photo — MONO uses AI to recognize amounts, merchants, and categories automatically. Done in 1 second, no manual input needed. 【AI-Powered Recognition】 Three ways to log expenses automatically: text, screenshots, and photos. Expense tracking has never been this easy. 【Multiple Ways to Log】 • Chat-style entry: record expenses like sending a message • Screenshot recognition: import payment screenshots directly • Photo capture: point at receipts for auto-recognition • Siri Shortcuts: log expenses with a single voice command • Manual input: traditional entry, still fast and easy 【Smart Categories & Reports】 • Auto-categorize your spending • Multi-dimensional charts (monthly trends, category breakdown, calendar view) • Customizable expense categories and payment methods 【Multi-Currency Support】 Track expenses in any major currency — perfect for travel and international spending. 【Subscription Management】 Keep all your subscriptions in one place with renewal reminders to avoid surprise charges. 【Data Security】 • iCloud sync — seamless device switching • Additional cloud backup for extra protection • CSV export — your data, your control 【More Features】 • Dynamic Island live display for instant feedback • Multi-person expense analysis • Account balance management • Home screen widgets for quick spending overview MONO — clarity for every transaction. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.weisenjoy.com/privacy
Screenshots
Verdict
The clearest difference is update cadence: MONO at every 2 days against Flow记账's monthly. MONO also leads on ratings volume (14 vs 2) and device support (3 vs 1). Flow记账's advantage is rating (5.0 vs 4.6). On price, ads, in-app purchases and monetization model 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. Flow记账 sells 1 one-off in-app purchase and MONO sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
Flow记账 holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: MONO has 14 ratings behind it against 2, so its average is the more settled of the two.
Flow记账 ships an update monthly, MONO every 2 days. The most recent releases landed on September 12, 2026 and September 22, 2026 respectively.
| Parameter | Flow记账 | MONO |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.6 (14 ratings) |
| Positive reviews | — | 64.2% of reviews |
| Number of ratings | 2 | 14 — better |
| Update frequency | Monthly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone | iPhone, iPad, Apple Watch — better |
| Requires iOS | 26.0 | 18.0 — better |
| Further details — not scored | ||
| Size | 23 MB | 201 MB |
| Age rating | 4+ | 4+ |
| Developer | 玉栋 侯 | Chengdu Weisen Quwan Technology Co., Ltd |
Customer experience
Flow记账
MONO
In-app purchases
Flow记账
- Flow Pro$0.99
MONO
- Premium – Monthly Subscription$2.991 Month
- Premium – Yearly Subscription$9.991 Year
- Lifetime$12.99









