Budget Flow | Expense Tracker vs Xpenses
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
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.
- Unlimited expense & income tracking
- Local-only data storage
- Predefined and custom categories
- Monthly summaries and graphs
- iCloud Sync
- Partner Sharing
- CSV Import & Export
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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
Verdict
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
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.
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.
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.
| Parameter | Budget Flow | Expense Tracker | Xpenses |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (337 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 90.3% of reviews | — |
| Number of ratings | 337 — better | 1 |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.0 — better | 17 |
| Further details — not scored | ||
| Size | 147 MB | 12 MB |
| Age rating | 4+ | 4+ |
| Developer | Fabian Hasse | Ana Filipe |
Customer experience
Budget Flow | Expense Tracker
Xpenses
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
Budget Flow | Expense Tracker
- Full Version (1 Month)$4.991 Month
- Full Version (1 Year)7 Days trial$29.991 Year
- Full Version (Discounted)$49.99
- Full Version (Lifetime)$69.99
Xpenses
- Xpenses Premium (1 Month)1 Month trial$0.991 Month
- Xpenses Premium (1 Year)1 Month trial$8.991 Year
- Premium Lifetime$14.99
Questions
Is Budget Flow | Expense Tracker free?
Is Xpenses free?
Which has better reviews, Budget Flow | Expense Tracker or Xpenses?
Do Budget Flow | Expense Tracker or Xpenses have ads?
Which is updated more often, Budget Flow | Expense Tracker or Xpenses?
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