Comparison

Budget Flow | Expense Tracker vs Xpenses

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

Head to head
About

Budget Flow | Expense Tracker

Effortlessly track income and expenses with this modern, user-friendly financial manager. It offers secure, offline use with no registration, allowing you to manage accounts, plan budgets, and secure your financial data.

Highlights
  • Track income and expenses
  • Manage multiple accounts and categories
  • Plan budgets for categories
  • Shared budgeting with multiple users
  • Secure data storage with no login
  • Offline functionality
  • Currency conversion
Features
Read full description

Budget Flow lets you keep track of your income and expenses and manage them effortlessly. This modern and user-friendly expense tracking app is quick to set up, requires no registration and can even be used offline. Budget Flow is the app for anyone who wants to manage their finances efficiently while maintaining a high level of data security. Download Budget Flow today and achieve your financial goals! HIGHLIGHTS: Clear financial management: - Keep track of your accounts, balances and transactions - Configurable dashboard with numerous widgets - Multiple sorting, search and filtering options - Customizable time period for the entire app Create accounts and categories: - Create multiple accounts and categories - Personalizable with icons, emojis and colors - Organize categories into folders Easy transaction management: - One-time and recurring transactions - Integrated calculator for accurate entries - Automatic conversion to over 150 currencies - Add photos, locations and notes - Scan receipts including automatic evaluation - Reminders for planned transactions Budget planning: - Plan budgets for your categories - Choose different recurrence intervals Shared budgeting: - Supports multiple budget books and users - Share data via iCloud to collaborate with multiple people Data security: - Secure data storage - No login required - FaceID / TouchID / Passcode support Other features: - Apple Watch app incl. complications - Mac app incl. keyboard support & shortcuts - Home & lockscreen widgets - Siri shortcut support - Import and export data via CSV file - Numerous personalization options - Seamless iCloud synchronization - Responsive design incl. darkmode - Dynamic text size - ...and much more! IN-APP-PURCHASES: Budget Flow is free to download. Some features require an optional subscription or one-time purchase of the full version. LEGAL: Privacy policy: https://budget-flow.app/privacy-policy Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

About

Xpenses

Manage your personal finances with a privacy-focused expense tracker. Organize spending, set budgets, and gain insights into your financial habits with local data storage and no ads.

Highlights
  • Unlimited expense & income tracking
  • Local-only data storage
  • Predefined and custom categories
  • Monthly summaries and graphs
  • iCloud Sync
  • Partner Sharing
  • CSV Import & Export
Features
Read full description

Take control of your finances, on your terms. Track spending, plan budgets, and reflect on your financial habits with a beautiful, privacy-first app designed for real life. Private by Design Your data belongs to you, always. Stored locally, never shared, and never tracked. No account required. No ads. No data harvesting. Ever. Free to Use, Forever Get started with the Basic Plan for free. It includes everything you need to begin your journey toward better financial awareness: - Unlimited expense & income tracking - Local-only data storage - Predefined smart categories - Monthly summaries & year-in-review graphs - Advanced search, filtering, and sorting - All features with no ads and no account Upgrade to Premium (optional) For those who want more customization and convenience, the Premium Plan adds powerful features: - iCloud Sync – Keep your data in sync across devices - Partner Sharing – Collaborate with a loved one - Custom Categories – Personalize your finances - Monthly Budgets – Plan and stay on track - Recurring Transactions – Automate repeat entries - Import & Export – Backup or migrate with CSV files Choose between a one-time purchase or a flexible subscription, whichever fits your style. You’ll get full access, with no restrictions. No pressure. No tracking. Just clarity. This is your space to reflect, plan, and stay in control, with peace of mind. Terms of Use: https://puppybyte.dev/xpenses/terms Privacy Policy: https://puppybyte.dev/xpenses/privacy

Screenshots

Budget Flow | Expense Tracker4 screens
Xpenses4 screens

Verdict

The call

The clearest difference is update cadence: Budget Flow | Expense Tracker at every 2 weeks against Xpenses's every 2 months. Budget Flow | Expense Tracker also leads on ratings volume (337 vs 1) and device support (4 vs 2). Xpenses's advantage is rating (5.0 vs 4.8). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Budget Flow | Expense Tracker sells 4 in-app purchases, starting at $4.99 per month and Xpenses sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Xpenses holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Budget Flow | Expense Tracker has 337 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Budget Flow | Expense Tracker ships an update every 2 weeks, Xpenses every 2 months. The most recent releases landed on October 27, 2026 and October 18, 2026 respectively.

Scorecard4 real differences · 6 level
Budget Flow | Expense Tracker versus Xpenses: the parameters behind the verdict, then further details
ParameterBudget Flow | Expense TrackerXpenses
PriceFreeFree
Rating4.8 (337 ratings)5.0 (1 ratings) — better
Positive reviews90.3% of reviews—
Number of ratings337 — better1
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better17
Further details — not scored
Size147 MB12 MB
Age rating4+4+
DeveloperFabian HasseAna Filipe

Customer experience

Budget Flow | Expense Tracker

All ratings335 ratings
Positive94.6%
Neutral1.8%
Negative3.6%
Written reviews476 reviews
Positive90.3%
Neutral4.4%
Negative5.3%

Xpenses

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Budget Flow | Expense Tracker

Reported bugs

3 issues
  • Transactions disappearing from accounts
  • Inconsistent data display in reports
  • Rounding issues with decimal amounts

Requested features

5 requests
  • Add monthly recurring reminders
  • Improve search functionality
  • Provide more detailed budgeting options
  • Integrate receipt scanning and OCR
  • Allow custom currency support

Xpenses

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Budget Flow | Expense Tracker

Subscriptions2
  • Full Version (1 Month)$4.991 Month
  • Full Version (1 Year)7 Days trial$29.991 Year
One-time2
  • Full Version (Discounted)$49.99
  • Full Version (Lifetime)$69.99
3 purchases

Xpenses

Subscriptions2
  • Xpenses Premium (1 Month)1 Month trial$0.991 Month
  • Xpenses Premium (1 Year)1 Month trial$8.991 Year
One-time1
  • Premium Lifetime$14.99

Questions

Is Budget Flow | Expense Tracker free?
Budget Flow | Expense Tracker is free to download, with in-app purchases available.
Is Xpenses free?
Xpenses is free to download, with in-app purchases available.
Which has better reviews, Budget Flow | Expense Tracker or Xpenses?
Xpenses is rated higher. Budget Flow | Expense Tracker averages 4.8 out of 5 from 337 ratings, while Xpenses averages 5.0 from 1 ratings.
Do Budget Flow | Expense Tracker or Xpenses have ads?
Neither Budget Flow | Expense Tracker nor Xpenses shows ads.
Which is updated more often, Budget Flow | Expense Tracker or Xpenses?
Budget Flow | Expense Tracker ships an update every 2 weeks, and Xpenses every 2 months. Most recently, Budget Flow | Expense Tracker was updated on October 27, 2026 and Xpenses on October 18, 2026.

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