Budget Flow | Expense Tracker vs Monacker
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
Monacker
Manually track income and expenses with a fast, intuitive interface. Quickly enter transactions, import/export data, and sync securely via iCloud. Customize categories and enjoy a completely ad-free experience.
- Fast transaction entry
- Import/export CSV data
- iCloud sync for data safety
- Customizable categories
- Ad-free experience
- Quick app loading
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Enjoy manually tracking your income and expenses with a simple, quick, liquid glass interface. Enter transactions in less than 5 seconds with a highly optimized transaction entry that shows you similar previous transactions to quickly autofill your transaction description and category Features: * 100% free forever. Tips are optional and always appreciated :) * No ads, no popups, no prompts to review the app, no data collection, no analytics. I created this app for myself and I don't enjoy being bothered so I'm not going to bother anyone else. If I ever stop working on this app, I will open source it * Export all your transactions to csv format in less than 2 seconds. You own your data * Import your existing transactions in csv format. All that's necessary is 5 columns: Description, Category, Amount, Type (Expense/Income), and Date (ISO 8601 format). You can optionally add Color and Icon columns to further customize your categories * All your transactions are synced to your iCloud. With CloudKit integration, all your transactions are safe even if you break your phone * Customize your categories to your liking. If the in-app customization is not sufficient, you can export the colors and icons in your csv file, and import it back in to see your changes. The icons are SF Symbols * Enter transactions fast, seriously fast * Extremely fast app loading. From a cold start, the app is fully loaded and interactable in 0.48 seconds even with my 7600 transactions * Convenience buttons for deleting all your transactions and unused categories so you can export your data, modify it as you wish, delete your data, then import everything again How this app came to be: I've been manually tracking my income and expenses for 10 years now. I've previously manually tracked in a spreadsheet and tried other apps, but I've consistently had gripes with them. I have always wanted to make my dream money tracking app, and the appeal of liquid glass finally pushed me to learn iOS app development to create this. I have tried for a few years to build this but always gave up because the mountain of learning app development was extremely daunting and I kept getting stuck. Now I'm just happy that I have something I can give to the world that I will use myself, and I hope others can use it too. How I recommend people track their money: * The best time to start tracking all your transactions was yesterday * Ensure you have notifications every time you get paid, and for every single transaction that occurs on any of your credit/debit cards and bank accounts * Every time a transaction occurs, track it as soon as possible. I'll usually be tracking my transaction in the checkout line to make sure I don't forget to do so * Feel every monetary transaction so you don't get complacent with money FAQ: Q: How should I categorize an expense that may fit multiple categories? A: Personally I'll just group things into whatever fits best, so I'll generally use "Groceries" for a Costco run, but if I'm buying more decorations or something I may log it as "Household". You can always manually enter multiple transactions for something you pay for. Things even out Q: Can you add xyz way to visualize the data? A: I made the csv export as painless as possible so people can use other better tools for visualizing their transactions. Q: Can you add budgeting features? A: Not currently planned but if enough people email me I might add it :) Q: How can I support you? A: Tip Jar :) Email: alexpyginapps@gmail.com
Screenshots
Verdict
The clearest difference is monetization model: Monacker at free against Budget Flow | Expense Tracker's free with in-app purchases. Monacker also leads on rating (5.0 vs 4.8) and review sentiment (100% vs 90%). Budget Flow | Expense Tracker's advantage is ratings volume (335 vs 10) and device support (4 vs 1). On price, update cadence, ads and in-app purchases 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 Monacker sells 7 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Monacker 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 335 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 90% of Budget Flow | Expense Tracker's written reviews are positive against 100% of Monacker's.
Budget Flow | Expense Tracker ships an update every 2 weeks, Monacker weekly. The most recent releases landed on October 20, 2026 and October 5, 2026 respectively.
| Parameter | Budget Flow | Expense Tracker | Monacker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (335 ratings) | 5.0 (10 ratings) — better |
| Positive reviews | 90.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 335 — better | 10 |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone |
| Requires iOS | 16.0 — better | 27.0 |
| Further details — not scored | ||
| Size | 147 MB | 8 MB |
| Age rating | 4+ | 4+ |
| Developer | Fabian Hasse | Alexander Pygin |
Customer experience
Budget Flow | Expense Tracker
Monacker
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
Monacker
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
Monacker
- Survival Tip$0.99
- Struggle Tip$1.99
- Stability tip$4.99
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- Security Tip$9.99
- Independence Tip$19.99
- Freedom Tip$49.99
- Abundance Tip$99.99
Questions
Is Budget Flow | Expense Tracker free?
Is Monacker free?
Which has better reviews, Budget Flow | Expense Tracker or Monacker?
Do Budget Flow | Expense Tracker or Monacker have ads?
Which is updated more often, Budget Flow | Expense Tracker or Monacker?
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