# Flow记账 vs MONO

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.

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.

## The numbers

| Metric | Flow记账 | MONO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/flow/id1574957735/reviews)** | [4.6 (14 ratings)](https://appshunter.io/ios/app/mono-ai-expense-tracker/id6670716062/reviews) |
| Number of ratings | 2 | **14** |
| Positive reviews | — | 64.2% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | Freemium | Freemium |
| Size | 23 MB | 201 MB |
| Requires iOS | 26.0 | **18.0** |
| Devices | iPhone | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [玉栋 侯](https://appshunter.io/developer/1439153484) | [Chengdu Weisen Quwan Technology Co., Ltd](https://appshunter.io/developer/1755528939) |

## What reviewers say

### Flow记账

[App page](https://appshunter.io/ios/app/flow/id1574957735)

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.

**Highlights:** 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

**Features:** Family Sharing, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Flow Pro | $0.99 | one-time |


### MONO

[App page](https://appshunter.io/ios/app/mono-ai-expense-tracker/id6670716062)

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.

**Highlights:** AI-powered expense logging, Screenshot and photo recognition, Automatic categorization, Smart financial reports, Subscription management, Multi-currency support, iCloud sync

**Features:** Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium – Monthly Subscription | $2.99 | per month |
| Premium – Yearly Subscription | $9.99 | per year |
| Lifetime | $12.99 | one-time |


## Frequently asked questions

### Is Flow记账 free?

Flow记账 is free to download, with in-app purchases available.

### Is MONO free?

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

### Which has better reviews, Flow记账 or MONO?

Flow记账 is rated higher. Flow记账 averages 5.0 out of 5 from 2 ratings, while MONO averages 4.6 from 14 ratings.

### Do Flow记账 or MONO have ads?

Neither Flow记账 nor MONO shows ads.

### Which is updated more often, Flow记账 or MONO?

Flow记账 ships an update monthly, and MONO every 2 days. Most recently, Flow记账 was updated on September 12, 2026 and MONO on September 22, 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.*